The Countdown is on...

Get a bank pre-approval first

1.    NZ Election (11 days): With the New Zealand election just around the corner, it's essential to stay informed about potential changes in government policies that may impact the housing market.

2.    Christmas Day (79 days): Time to celebrate with family and friends.

3.    New Year's Day (85 days): The holiday season is fast approaching, bringing with it the usual hustle and bustle. Effective time management and preparation can help you reduce stress and enjoy the festivities.

4.    Interest Rates: Keep a close eye on interest rates. While the Official Cash Rate (OCR) may have plateaued, which influences floating rates fixed mortgage rates can still be influenced by global economic factors as funds are purchased offshore hence the rates can change quickly.

5.    House Prices: Recent data shows that house prices are on the rise in all regions, marking a shift from a buyer's market to a seller's market for the first  in 10 months.

6.    CCCFA (Credit Contracts and Consumer Finance Act): The recent developments regarding CCCFA have changed the lending landscape. Banks now have more flexibility in assessing lending criteria, potentially making it easier to secure a mortgage.

7.    Mortgage Broker: If you're considering buying a home in 2024, a skilled mortgage broker can make a world of difference. They understand the nuances of each bank's lending policies and can help you secure pre-approval efficiently.

IF YOU ARE IN THIS SITUATION OR KNOW OF SOMEONE THAT IS, THEN THAT'S WHERE I COME IN. AS A REGISTERED FINANCIAL ADVISER I CAN ASSIST YOU FOR FREE. "SIMPLE FAST APPROVED" ALL YOU NEED TO DO IS CONTACT ME TODAY....