Book a Call

  • Home
  • How Can We Help?
    ▾
    • I want to buy a home
    • I want to repay my mortgage in less than 10 years
    • I want to consolidate or re-finance my debt
    • I want to secure my families future
  • Home Loans
    ▾
    • First Home Mortgage
    • Remortgage
    • Debt Consolidation
    • Investment Property Mortgages
    • Mortgage Repayment Calculator
    • Loan Term Calculator
    • Apply For A Loan
  • Personal Insurance
    ▾
    • Life Insurance
    • Health Insurance
    • Trauma or Critical Illness Insurance
    • Mortgage Protection Insurance
    • Disability Insurance
    • Income Protection Insurance
    • Redundancy Insurance
    • SMART Life Insurance Quote
  • Wealth
    ▾
    • KiwiSaver
    • Wealth Builder
  • Blog
    ▾
    • Blog
    • Videos
  • Who We Are
    ▾
    • The SMART Team
    • Careers at SMART
    • Contact Us
  • Our Happy Clients
  • Client Login
  • Book a Call
Are you a First Home Buyer with less than 20% deposit?

Are you a First Home Buyer with less than 20% deposit?

by Rohit Ranchhod | Sep 29, 2013 | First Home Buyers, Investment Property, Mortgages, Property, Real Estate

Are you a First Home Buyer looking to buy a home with less than 20% deposit? Did you know the reserve bank restrictions of limiting the lending to 80% of the value of the property, only applies to the registered banks in New Zealand? This ruling was not to stop first...
Will the loan to value ratio (LVR) restrictions affect you?

Will the loan to value ratio (LVR) restrictions affect you?

by Rohit Ranchhod | Aug 8, 2013 | First Home Buyers, Mortgages, Personal Loans, Property, Real Estate

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 of 20% to purchase a property or does it? It would be fair to say that most new home buyers would struggle to...
Want to live a debt free lifestyle?

Want to live a debt free lifestyle?

by Rohit Ranchhod | May 14, 2013 | First Home Buyers, Interest Rates, Money, Mortgages, Property, Real Estate

Imagine the possibilities of living debt free. Travel overseas, start a business, work part time, spend more time with the family, purchase investment property, renovate your home are just a few that come to mind. The possibilities are endless. SMART can help you...
Housing affordability down despite falling mortgage rates

Housing affordability down despite falling mortgage rates

by Rohit Ranchhod | Nov 30, 2011 | First Home Buyers, Investment Property, Mortgages, Property, Real Estate

Housing affordability declined over past two years. Housing affordability has declined over the past two years despite mortgage rates falling to their lowest levels since the 1960s. Statistics New Zealand’s household economic survey found that total housing...
Competition hot in first-home property market

Competition hot in first-home property market

by Rohit Ranchhod | Nov 30, 2011 | First Home Buyers, Investment Property, Mortgages, Property, Real Estate

A shortage of houses in the first-home buyers’ market over winter has caused a rise in multi-offer agreements, confusing those new to the real estate game. Multi-offer agreements are when more than one written offer is received for a property at one time,...
First-timers drive housing market

First-timers drive housing market

by Rohit Ranchhod | Nov 16, 2011 | First Home Buyers, Mortgages, Property, Real Estate

Young professionals who stayed at home with their parents during the recession were now driving competition in the market for first homes. Chief economist Tony Alexander said the need to spread wings, low interest rates, talk of housing shortages, rising rents and an...

Home Buyers Guide

Home Buyers Guide

Download our FREE guide for Home Buyers Guide. Includes smart rules for purchasing property, different ways to raise a deposit, insider tips and tricks for viewing homes and much more.

Categories

  • Business (2)
  • First Home Buyers (14)
  • Health Insurance (2)
  • Insurance (11)
  • Interest Rates (11)
  • Investment Property (7)
  • Kiwisaver (2)
  • Money (8)
  • Mortgages (21)
  • Personal Loans (2)
  • Property (12)
  • Real Estate (6)

Get the FREE 2021 Home Buyers Guide NOW!

Interest rates are mad, covid has changed the game - whats your next move?

Success!

Download

Quick Links

  • Home
  • Careers at SMART
  • FAQs
  • SMART Quote
  • Complaints
  • Contact us

What are you looking to achieve?

  • I want to buy a home
  • I want to repay my mortgage in less than 10 years
  • I want to consolidate or re-finance my debt
  • I want to secure my families future

We’re a NZ Based business with our team working virtually across the country.

Call us

0800 405 801

Email Us

info@smartbrokers.co.nz

Smart Brokers Limited (FSP327666) trading as SMART is the Financial Advice Provider and holds a transitional licence issued by the Financial Markets Authority to provide financial advice.

Copyright © 2021 Smart Brokers Ltd         Our Terms | Your Privacy | Disclosure Statement     Website by Virtual Innovation