My thanks to the many clients who have entrusted me to either source new home funding, structure existing debts  and or provide advice around their mortgage funding options. Your positive feedback on the simplicity and ease of process reinforces why Mortgage Advisers do what they do best.

This year has seen 

• interest rates in the mid 3% range, the lowest they have been in over 30 years.
• property market turn in favour of sellers- meaning that prices  have firmed and demand high

So, if you wish to 

• review your existing debt structure and rates
• discuss option for new home build/ purchase, up sizing/ down sizing or debt amalgamation
• review your personal risk (Life & loan repayment insurance) asset ( home,vehicle/contents insurances)
• review your kiwisaver- superannuation

 call me to  over the festive break to set up a meeting.in the new year. 

As the year & decade closes, we reflect on where we have been & what our goals are for the next stages in our lives..

2020 brings to Mortgagelink Coastwide a new client management programme, further regulation and compliance  both of which ensure that you, our clients, are receiving the advice you need to make the  one of the biggest decisions in your lives, home purchase. As we have said before, our advice is good advice.

We look forward to  2020 and beyond.

Have a safe & enjoyable festive break with family & friends-  we will be !!!!

New Zealand house prices are moving north as the property market springs into action. The average property value in Auckland was up 1.3% over the last three months, with values in the regions moving ahead at an even faster rate. While Auckland is still more affordable than it was a year ago, national values are up on an annual basis and first home-owners are struggling to see a way forward.

Christmas is on the doorstep, which means tough decisions, budget allocations, and last-minute shopping. If you're like most people, then you probably approach gift giving with a combination of random luck and hours walking the streets. As it turns out, however, there is a clear and robust science behind gift giving, with people who receive gifts much more appreciative when decisions are based on thoughtful consideration and long-term value rather than immediate satisfaction and price.  

The RBNZ recently finalised its capital review in an effort to safeguard banks against economic shocks. Retail banks will be expected to hold $20 billion in capital at all times, which will have implications for small and big banks alike. While this move is a great insurance policy designed to reduce the potential of a public bailout, it could also lead to more expensive mortgages, lower deposit rates, and more stringent lending criteria.

Bushfires remain prevalent across Australia, with smoky conditions possibly becoming more normal as climate change takes hold. Rural communities in NSW have been inundated by smoke for weeks, with Sydney also choked by bad air and dangerous smoke particles. While everyone is aware of the destructive power of fire when it comes to harming property and affecting lives, the true dangers of bushfire smoke are only starting to be understood.

The modern world can be busy and stressful, with people often experiencing a lack of time and mental resources. It's easy to make bad decisions in such an environment, as our mental bandwidth narrows and we focus on the wrong tasks. While some people thrive under pressure, for others, busy routines and ongoing stress lead to procrastination and reduced productivity. As it turns out, achieving a healthy work-life balance is a great way to increase our attention span and upgrade our cognitive bandwidth.