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Mortgage Advice Blog

Get the latest news and tips about mortgage finance and the property market. Scott Miller, mortgage broker from Advanced Mortgage Solutions comments on housing and lending.

February's Property Gazette

Published by Scott Miller on Friday, January 27, 2017 in

How did it get to be February already?

Welcome to 2017, a year we are hopeful will be even better for you and your family! Whether you are buying your first property, an investment property or planning some renovations during the year, we are here to help you with all your mortgage needs. We’ll take the legwork out of finding the right mortgage solution for you, with our friendly service and jargon free advice.

Interest Rates Are on the Rise

We’re already seeing rising interest rates, with many banks increasing their fixed rates over the last few days. This goes on top of the rises towards the end of December, which now see banks offering fixed term rates higher than 5%.

Even though they are large lenders, most banks are unable or unwilling to negotiate on interest rates with their customers on an individual basis. However, they are more willing to provide competitive interest rates to the clients of mortgage brokers. As our client, we will negotiate on your behalf to achieve the lowest possible interest rates for your mortgage. Talk with us today and we’ll hunt out the most competitive interest rates for you.

10% Deposit for First Home Buyers

First home buyers are now able to purchase a property to live in with as little as 10% deposit. We work with lenders who participate in the Welcome Home Loan scheme to help you purchase your first home. As well as finding you the most suitable home loan for your circumstances, we can also help you with your loan application process. If you are considering applying with or are ready to purchase your first home, head over to our Welcome Home Loan information page to find out about the eligibility criteria and how much you can borrow. We also offer a free 1st Home Buyers Guide, so please get in touch and we’ll walk you through the application process.

Life Insurance – are you sorted for 2017?

Life Insurance is the cornerstone of a strong risk protection plan – nearly everyone needs it, and there is more to it than you may think.

Did you know for example that a good life insurance policy will pay out immediately after diagnosis of a terminal illness?

Did you also know that an increasing number of New Zealanders are using their life insurance pay outs to fund alternative therapies and treatments as well as to repay debt, travel and leave funds for their loved ones?

There are many benefits to having a discussion with us about Life Insurance, including that we work with the main Insurers to get you the top independently rated Insurance. We work to provide solutions at the best prices as well as giving you good advice.

If you have Insurance already we may be able to save you money on your premiums, and if you don’t have Insurance we can certainly help you identify how much you may need and what the best cover is for you.

Get in touch with us to make sure that your Life Insurance is something you won’t have to worry about in 2017.

To find more info, head over to our Life Insurance page, or contact our in-house Insurance Specialist Jason Haskins on 022 0189 178 or

We look forward to working with you over the coming months of 2017.

Scott, Jason and Jo

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