Smart Thoughts
In this blog I share my opinion on the state of the market, trends and tips you can use to improve your property investing.
Are you a First Home Buyer with less than 20% deposit?
Are you a First Home Buyer looking to buy a home with less than 20% deposit? STOP PRESS!! If you ARE a first home buyer, get in touch... working with us will...
Will the loan to value ratio (LVR) restrictions affect you?
With the reserve bank looking likely to introduce LVR restrictions to 80% of the property value, this would mean that purchasers would need to have a deposit...
Want to live a debt free lifestyle?
Imagine the possibilities of living debt free. Travel overseas, start a business, work part time, spend more time with the family, purchase investment...
Can I buy a rental property as my first home?
Clever young people can and do buy rental properties as their first home. Many stay living at home with their mum and dad, while building up capital in their...
Why you need life insurance
Not me! I'm never going to die. We all like to think that we are invincible! Well the reality is we all die eventually and some of us will leave our loved...
Why everyone should write a Will
You're broke. You have no children. You hate the rellies. Trust me. Even you need to write a Will. There are lots of reasons to have a Will. You may own...
Mortgage wars: Banks paying fees
The low growth residential mortgage market has created a new phenomenon with banks now prepared to cough up break fees to help win business from customers on...
Business Interruption Policies
Christchurch business owners unlucky enough to be caught in the cordoned-off red zone will know their Business Interruption (BI) insurance policies like the...
How to kill your credit rating — in six simple steps
Having a squeaky clean credit rating is very useful in life. It'll help you next time you really need to borrow some money. Every time you want credit, your...
First-timers drive housing market
Young professionals who stayed at home with their parents during the recession were now driving competition in the market for first homes. Chief economist...