Home Loan Studio

27/01/2025

Has the start of the new year brought up some new goals for you? Your dream of owning a home is closer than you think. If you have questions, we have solutions. Let’s chat about your next steps.

If you’ve been wondering:

✔️ How much could I borrow?
✔️ Can I get a home loan with a low deposit?
✔️ Is it possible to get approved with bad credit?
✔️ What if my income is lower than average?

The answers aren’t always straightforward—because everyone’s situation is different.

That’s why we’re here! 💬 The best way to figure out what’s possible for you is to have a conversation. Let’s work together to find the right solution for your needs.

📲 Send us a message or give us a call today, and let’s start turning your homeownership dreams into actionable steps that you can start on now.

20/01/2025

💭 "How Much Should I Save for Retirement?" 💰

Figuring out how much to save can feel overwhelming, but here are five popular rules of thumb to help you estimate your retirement goal:

1️⃣ The 70-80% Rule: Aim to replace 70-80% of your pre-retirement income each year to maintain your lifestyle.

2️⃣ The 4% Rule: Save enough to withdraw 4% annually in retirement. For example, if you need $40k per year, aim for $1 million saved.

3️⃣ The Expenses x 25 Rule: Multiply your expected annual expenses by 25 to find your target. If you’ll need $50k per year, aim for $1.25 million saved.

4️⃣ The $1,000 Per Month Rule: Save $240k for every $1,000 you’ll need monthly in retirement. For example, if you need $3k per month, aim for $720k saved.

5️⃣ The 15% Rule: Aim to save 15% of your income annually starting as early as possible to build a solid nest egg over time. This is a fantastic strategy if you start young.

These are great starting points, but they’re no substitute for personalised advice. Your retirement plan should be tailored to your unique goals and lifestyle, taking into account a variety of factors. Speaking with a financial expert can help you create a strategy that sets you on the right track for a comfortable retirement

Take action now, and future-you will thank you! 🌟

14/01/2025

🏡 What a Mortgage Pre-Approval can do For You 💪

1️⃣ Know Your Budget: A pre-approval tells you exactly how much you can borrow, so you can house hunt with confidence and avoid disappointment.

2️⃣ Stronger Negotiating Power: Sellers take you more seriously when you’re pre-approved—it shows you’re ready to make an offer.

3️⃣ Faster Process: Once you’ve found the perfect home, having a pre-approval can speed up the process, getting you closer to your keys faster.

Ready to get pre-approved? Let’s make it happen! 🏠✨

31/12/2024

📊 What Better Time of Year to Take Control of Your Finances in 3 Simple Steps! 💰

1️⃣ Start a Budget: Take a few minutes to write down your income and expenses. Knowing where your money is going is the first step toward managing it better!

2️⃣ Essential vs. Non-Essential Spending: Break your spending into two categories—essentials like rent, bills, and groceries, and non-essentials like takeaways, subscriptions, and impulse buys.

3️⃣ Automate Your Essentials: Set up automatic payments for your essential expenses to come out as soon as you're paid. This keeps you organized and helps avoid missed payments.

Taking these steps can reduce stress, build financial confidence, and free up funds for your goals. 💡 Start today and feel the difference!

30/12/2024

As we step into 2025, we want to take a moment to thank all of our clients and partners for a year filled with growth and opportunity. Your trust has allowed us to continue helping you achieve your homeownership goals, and we're excited for what the new year will bring.

Here’s to a year of progress, growth and success for all.

06/09/2024

💰 Ever wonder how your financial situation compares to others? 💰

According to Stats NZ, the median net worth of New Zealand households was $397,000 in the year ended June 2021—up 21% from $328,000 in 2018.

Is your household above or below that figure? 🤔
How do you think those numbers will shift in the next census?

If you're curious about where you stand or want guidance on achieving your financial goals, we’re here to help. Let’s work together to build a more secure future. 💪

05/09/2024

💭 What was the culture around money in your house growing up? 💭

Our beliefs about money often start at a young age. Whether it was about saving every penny, spending freely, or investing wisely, the lessons we absorbed as kids can have a huge impact on how we handle finances as adults.

Did your family openly talk about money? Were you encouraged to save, or was money a stressful topic? How do you think that has shaped you today? Is there anything you've had to unlearn as a result?

👇 Drop your thoughts in the comments!

06/08/2024

🚀 New Blog Post Alert! 🚀

Are you looking to optimise your mortgage and save big? 🏡💰 Check out my latest blog post where I dive into the top strategies for managing your home loan effectively.

📖 Read now and discover:

🔹 Tips for reducing mortgage costs
🔹 Smart strategies to pay off your loan faster
🔹 And much more!

Don't miss out on these valuable insights. New Blog live on our website now.

04/08/2024

28/07/2024

Need some money tips to get you through tough times?

Rather than cutting the things that truly bring you happiness, consider reviewing your top three expenses within your budget. Typically, these are:

Housing: Could you get a flatmate or student to help with housing costs? Could you review or refinance your home loan? You might be able to get a decent cashback incentive, secure a better rate, or pay off your lending faster.

Transport: Could you move from a two-car household to a one-car household? Are you burdened by expensive car payments? Compare the cost of those payments to public transport or downgrading to a cheaper car.

Food: Most people find savings here by creating a meal plan with a shopping list and planning intentionally for when they'd like to eat out.

Finding savings in your top three expense items is often more effective than cutting out a coffee expense here and there. Get in touch if you'd like help reviewing your lending.

20/06/2023

Lately I've seen a few people getting in to trouble financially and the pattern I'm seeing is that it happens slowly at first and then it snowballs.

Compound interest is fundamental to financial success. Put it to work in your favour.

If you are starting to feel the pinch now, then NOW ⏰ is the time to do something about it and get some help. Don't wait until you are in serious trouble.

The sooner you start making positive incremental changes to your money habits the better. Over time they all add up. Get some advice about how to change your trajectory for a better financial future.

19/02/2023

For friendly, expert, local advice, chat to us today. Phone 022 350 1797.