by Elise Vine | Dec 16, 2020 | Blog
A Financial Adviser does not just assist you to get the finance – we also work with you on refixing and refinancing when the time comes. We are there on the journey with you, from getting the finance to getting the debt repaid. While having what you want is your...
by Elise Vine | Dec 9, 2020 | Blog
What is a “non bank” lender? It’s a funny term, that’s for sure. In New Zealand we have two types of Lenders. The main banks are the names we are all familiar with – Westpac, BNZ, ANZ, ASB, Co-Operative Bank, Kiwibank, SBS, etc. These banks account for...
by Elise Vine | Dec 4, 2020 | Blog
When you want to buy something and you don’t have money, you need finance. Do you care where the money comes from? Do you get financial advice, or do you just get the money? Most of us just get the “easy” money and don’t understand the costs involved. For example,...
by Elise Vine | Nov 25, 2020 | Blog
Effective 1st May 2020 the LVR (Loan to Value Ratio) restrictions were lifted by the Reserve Bank of NZ (RBNZ). The RBNZ did this due to the uncertainty of the effect that COVID-19 would have on the economy – the idea being to buy people some time and to give...
by Elise Vine | Nov 11, 2020 | Blog
When you apply for credit the bank looks at your character. Character is determined by the way you manage your accounts and pay your debts. They actually look at your bank statements!! Your character is then rated in the form of a Credit Score – good or bad. From...
