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Finding the best mortgage rates

  Finding the best mortgage rates available is subjective.  It is like answering "how long is a piece of string".  It all depends on what you want to do and what your goals are.  Here are three core questions you must ask yourself first. 1. How long am I going to keep the home or loan? If you plan to sell your home in the next 12 months (and most likely repay the loan) then I certainly would not be fixing my home loan mortgage rate for more than 12 months.  I would be considering a 6 month fixed rate [...]

Property values in Rotorua

Rotorua Property Values Recently there was an article about Rotorua property values and as a mortgage broker, I could not help but add my two cents worth.  The question I often get asked by clients home a home is "what do you think it's worth"?.  I would love to be able to have a answer for them but my answer is usually "what ever the market is prepared to pay". Of course, when it comes to securing a home loan for them, the bank will always ask what the valuation is and what is the purchase price so the valuation [...]

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