Tristan Hewett Financial Adviser

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Tristan Hewett Financial Adviser

Financial Adviser

23/06/2026

Some really good stuff in this blog.

If you have any questions around anything within the blog PM me, I’d be happy to help.

30/03/2025

Did you know? Your credit score is just ONE piece of the puzzle when applying for a loan!

Lenders also assess...
◾ Income & Stability – A steady job is key!
◾ Debt-to-Income Ratio – How much you owe vs. how much you earn.
◾ Savings & Deposit Size – A larger deposit can offset a lower score!

Worried about getting approved?

I can help you explore options to secure your mortgage or business loan, even if your credit score isn't perfect.

27/03/2025

After a 4.1% decline from March to August 2024, New Zealand’s property market is showing signs of stabilisation. In January 2025, the CoreLogic Home Value Index recorded just a 0.1% drop, continuing a trend of minimal movement over the last five months.

Key stats you need to know...
✔️ National median property value: $803,819 (down 17.5% from late 2021, but still 16.3% higher than pre-COVID levels)
✔️ Small price movements across major centres: Hamilton +0.5%, Wellington -0.6%, Auckland & Christchurch slight declines
✔️ Lower mortgage rates & rising sales volumes could drive up prices in the near future

With signs of a market shift and interest rates easing, now could be the right time to explore your mortgage options—whether you’re buying, refinancing, or investing

Contact me for expert advice and the best loan options!

23/03/2025

The tides are shifting, and property investors are making a comeback!

With falling interest rates, tax advantages, and easing lending restrictions, now could be the perfect time to invest in real estate.

Key market insights:
◾ Lower interest rates – Reduced mortgage costs are improving cash flow for investors.
◾ Increased borrowing power – Test rates have dropped from 9.5% to 7.5%, making it easier to secure loans.
◾ Tax benefits – Investors can now claim 80% of mortgage interest as a deductible expense.
◾ Market prices stabilising – With property values still below their peak, opportunities to buy before prices rise again are increasing.

Whether you’re a seasoned investor looking to expand your portfolio or a first-time buyer ready to enter the market, the conditions are shifting in your favour!

Want to explore your mortgage options? I can help you secure the best financing solution tailored to your investment goals.

20/03/2025

Buying a Home?

Understanding Offer Types Can Save You Thousands!

Not sure whether to make a conditional or unconditional offer?

Here’s what you need to know...
◾ Conditional Offer – Your offer depends on certain conditions being met (e.g., finance approval, building inspection, LIM report).
◾ Unconditional Offer – Your offer is final, meaning you’re locked in once it’s accepted.

💡 Tip: Conditional offers protect you, but unconditional offers give sellers confidence. Make sure you understand your risks before making a decision!

Thinking of buying a home? Chat with me today!

17/03/2025

The OCR just dropped!

What does this mean for mortgage rates?

✔️ Existing home owners: Should you refinance now or wait for further cuts?
✔️ First-home buyers: Is this the best time to lock in a loan or hold off?
✔️ Investors: How will lower rates affect rental yield and property values?

I'm breaking it all down so you can make an informed decision.

Email me at [email protected] today or call me at 021 1199 458.

13/03/2025

Think pre-approval means smooth sailing? Not quite!

Here are common mistakes that could put your loan at risk...

❌ Making Major Purchases – That new lounge suite can wait! Buying big-ticket items can affect your loan eligibility.
❌ Changing Jobs – Stability is key! A job switch can delay or even jeopardise your loan approval.
❌ House Hunting Beyond Your Means – Just because you’re pre-approved for $800K doesn’t mean you need to max it out.

Tag a friend who’s house hunting and help them avoid these costly mistakes!

10/03/2025

Trade Me’s recent survey reveals that 39% of respondents plan to buy a home within the next year – an increase from October 2024!

Falling interest rates and better economic conditions are driving this trend.

While cost-of-living and mortgage concerns remain, they’re easing, making home ownership more achievable.

If you’ve been on the fence about buying, this could be your moment!

❓ What’s your property goal for 2025?

06/03/2025

The countdown to settlement day has begun!

Here are 3 things to check off before the big day...

📜 Loan & Legal Docs: Ensure your mortgage lender and solicitor have everything sorted.
💰 Final Payments: Be ready to transfer your deposit and legal fees.
🔑 Settlement & Key Collection: Once the final payments are made, it’s time to get your keys!

Don’t leave things to the last minute! If you need guidance, our mortgage advisers can help you avoid settlement-day surprises.

27/02/2025

Buying your first home? You’ll need a team to back you up!

Here’s who should be in your corner...
☑ Mortgage Adviser – For expert advice and loan pre-approval.
☑ Conveyancing Lawyer – To ensure the title is clear and the sale is smooth.
☑ Insurance Adviser – To confirm the property is insurable for your lender.
☑ Registered Valuer – To assess the property’s market value.
☑ Building Inspector – To uncover any risks or hidden issues.
☑ Parents – They might help with the deposit or act as guarantors.
☑ Friends – For advice and moral support!

A solid team makes the journey smoother. Start building yours today with me and the Rapson team!

Address

7/30 Willow Street
Tauranga
3144

Telephone

+64211199458

Website

http://rapson.co.nz/

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