First-home buyers
Five Rules for Today’s First-Home Buyer
How on earth does a first-home buyer get a foot on the ladder in today’s housing market? Brendon sifts through the media hype and sales frenzies to provide some helpful steps forward.
Ideas for confident decisions
Insights
Practical guidance, useful perspectives and updates from the Velocity Financial team.
Articles — page 48
General
Confessions of a Man with a Small Toolkit
Lance confesses that, when it comes to DIY, he resorts to seeking out the expert. And he gives you full permission to do the same with your finances: pester your Velocity financial adviser every step of the way.
Mortgages
What Are The Banks Doing And Why?
Unless you are a financial news junkie (like us), the recent bank changes would have been easy to miss. But there have definitely been changes. Rupert breaks them down for us.
Mortgages
Fixed vs Floating
No change in the OCR this month. Does this signal a change in the outlook for interest rates? Does a change mean a good time to fix? Brendon shares his personal plans for fixing his mortgages.
Mortgages
Banks’ New Lending Restrictions—What it Means For You
Banks are in the news. In fact, they are all over the news! But the real question is why? And what does it mean for you? Graham finds out.
General
Look What Our Clients Are Doing!
In a new series of blogs we highlight what some of our more extroverted clients are up to.
KiwiSaver
Will You Receive Your Full KiwiSaver Member Tax Credits (MTC)?
Whether or not you receive your full KiwiSaver Member Tax Credits (MTC) is an important question, but you’d be surprised how many people don't know the answer. Jaimie helps bring some certainty and explains why you need to act on this before the end of the month.
General
When Should You Contact Us?
Lance confesses that, when it comes to DIY, he resorts to seeking out the expert. And he gives you full permission to do the same with your finances: pester your Velocity financial adviser every step of the way.
KiwiSaver
KiwiSaver Basics 101
The two questions asked time and time again by first home buyers are “How can I possibly afford my deposit?” and “Are my KiwiSaver funds REALLY accessible?” Jaimie sifts through all the confusion and media hype KiwiSaver for first-home buyers 101.
Mortgages
Fixed vs Floating
The OCR continues at its historical low and predictions are signalling further drops. So do we lock in the good rates for the future or enjoy the even better floating rates now? Brendon explores the options.
First-home buyers
Buying Property With Your Mates
Buying together can improve deposit and borrowing power, but every owner needs legal, financial and exit arrangements agreed before settlement.
Mortgages
Gulp! Income-to-Loan Ratios are on the Horizon!
You can think of the Reserve Bank as an increasingly angry parent and you, dear Auckland property purchaser, have been a very naughty boy.