Addison Curd Collective

15/02/2023

Great rates are back

‼️ATTENTION‼️

Leading Bank offer of 4.99% fixed for one year!
This offer is available for a limited time only.

Speak to one of our Vega Mortgage Advisers to see if you are eligible.

Subject to change. Normal lending criteria apply.

01/12/2022

Purchasing your first home or looking at an investment? We are here to help you get the most out of your loan. We understand that finding the right loan can feel complicated and the process is often non linear. With our experience across many different lenders and products, we make sure we find a solution that is best for you. Talk to our team today and get your mortgage approved with the best rate in the market.⁠
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22/11/2022

As the market has contracted, rapid repayments of debt has become a risky approach if you hope to have a balanced financial structure. There are plenty of options available that will enable you to favour cashflow and keep you safe. This is done through restructuring current debts, terms and facility types. These changes can be undone once the market rebounds but it’s important to keep safe during times of uncertainty. Talk to us today about how we can help create a solution that works for you.

17/11/2022

The first 5 years of owning a home are undoubtably the hardest. Your debt is the highest it will be and your income is usually the lowest. Over time as inflation increases the number of zeros on a house price, the debt doesn’t increase with it. In 5 years’ time, your house will have increased in value, income will likely be higher and your mortgage will feel much more manageable. Just through time, no extra effort. Balancing your mortgage through that is important - Talk to us today to learn how. ⁠

15/11/2022

Statistically over 80% of businesses that fail, do so because of cashflow. Structuring your debts both in your business and at home to favour the maximum cashflow position, gives you more space and resilience if you were to be impacted by the contracting market. We have seen that historically, market contractions are always temporary. Positioning yourself to weather it strongly should be a priority - Talk to us today to get prepared.

11/11/2022

The days may feel long, but the years certainly are short. The time we have to spend with our families is limited. A 30-year mortgage will still have 12 years to pay off even after your children have left home. Paying it off 10 years faster only takes money away from enjoying life with your kids now rather than your retirement. Pick the kids, you can always smash it out with the money they don’t cost you once they have left. Favour cashflow over rapid repayment and family holidays over paying down your mortgage one year earlier, 20 years from now. Want to know more about how you can structure mortgage? Talk to us today!

09/11/2022

Whether you’re a professional investor, or just beginning your investment journey, understanding your debt structure and how to leverage it is critical around capital absorption when owning more than one property - Here's why ⬇️

👉🏻 If you have just completed a new build at 80% LVR and it’s leveraged against other assets in the property pool, it will absorb an extra 20% equity from other leveraged properties once completed. This locks away capital and reduces your growth potential and ability to top up your mortgage.

👉🏻 If you are selling or upgrading a home, most lenders will absorb or take sale proceeds to repay debts on other properties at the same bank unless a full application is completed to keep it (this is not guaranteed).

👉🏻 If the lender is separate and structured well, you will get the full proceeds of a sale to utilise how you like. This can subsidise cashflow during market downturns which will keep you safe.

👉🏻 Varying asset types are all affected differently by the market. Keeping them separate (split banking) prevents a lower performing asset from negatively impacting the overall financial portfolio.

Many investors buy to hold and haven’t experienced the sales end of an asset under the new rules and regulations. The perceived options you may have in most cases are not available anymore. Want to know more about how you can structure your debt? Talk to our team today!

03/11/2022

We often see many home owners feel asset rich but cash poor. We see this because most growth activities are property based and there’s a gap in knowledge of how to transact property to access the windfalls and cashflow. Owning the property creates the growth and is the growth. Structuring your debt with this understanding allows you to enjoy a better lifestyle now, while also being prepared for your future.⁠
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31/10/2022

CCCFA changes now require a purpose which is defined differently at each bank – Which is why the strength of your request will determine the quality of your outcome. Industry jargon can change the appearance of a request, turning it into something unintended. We work with you to help you build a proposal that helps you present a strong request, so you can achieve your desired outcome.

27/10/2022

A lot of people who would class themselves as high risk, likely have more financial guidance but are less leveraged. Risk is proportionate to your financial position. Buying more properties with debt against a strong financial position is not as risky as buying one more property with a tight financial position. Risk is also proportionate to exit strategy or backup funding and hold positions. Want to know how you can take risks? Chat to our team today!⁠
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21/10/2022

Meet Jonathan | Registered Vega Financial Advisor.

Jonathan is a passionate financial advisor who thrives in creating solutions for future planning, wealth building through property and provides quick lending options for clients that achieve results. Jonathan previously served as a Detective in the New Zealand Police as a specialist in the Financial Crime Group as well as Auckland’s lead technology coordinator. With this experience he understands that having the right information is essential for planning and implementing processes, and now works to bridge the gap between client and lenders.

19/10/2022

Do you want to be in the same financial position today as you are in 12 months time? Would you like to be in a significantly better position in 5 years? In order to change the right thing and the most effective thing, it’s important to have a professional on board to guide you. If you don’t know what you can leverage and all the rules of the industry you become stuck doing the same things. Managing and structuring debt that property is holding will ultimately determine the cashflow balance and therefore your lifestyle. Take a pause and talk to us today. ⁠
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