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In this episode, we sit down with financial adviser Liam to explore how first home buyers can maximise their KiwiSaver for a successful property purchase. Liam shares his insights on KiwiSaver contributions, withdrawal strategies, and what to consider before accessing your funds. We also cover tips on choosing the right KiwiSaver fund, managing fees, and the role of active management. If you're a first home buyer looking to make the most of KiwiSaver, this episode is packed with practical advice to help you on your journey to homeownership.
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In this episode , we break down what the OCR drop means for NZ first home buyers. From banks adjusting interest and test rates to the potential for further OCR cuts, we explore how these changes could impact your property journey and whether FOMO is justified in today's market. Tune in for insights and predictions on navigating the current landscape.
Contact Simon: https://mhq.co.nz/staffmember/simon-mcdonald/
Contact Dani: [email protected] -
In this episode, real estate expert Charlie Brothers talks about buying your first home in NZ. He explores the ins and outs of the property market. From deciding whether it's a buyer's or seller's market to maximising your property's value and avoiding common mistakes as a first home buyer, Charlie shares valuable insights and practical advice to help you navigate your real estate journey with confidence.
Contact Charlie
📱 021 966 704
📧 [email protected] -
In this episode, Ali shares how franchising made him a better financial adviser. Ali is a financial adviser and business partner, and shares his journey, investment strategies, and philosophies.
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In this episode, we dive into if you should buy property under New Zealand's latest government policies. We'll explore why people aren't rushing to buy property despite increasing first home buyer purchases, and how inflation is impacting property prices. Learn about the potential reduction of bank testing rates, the pros and cons of choosing a 12-month loan, and whether now is a good time to purchase property. We'll also discuss if property investors have an edge in the market, the removal of CCCFA for home loans, the rise of granny flats, undervalued properties in New Zealand, and OCR predictions.
Contact Andy: https://whq.co.nz/contact-us/
Contact Simon: https://mhq.co.nz/staffmember/simon-mcdonald/ -
In this episode of The Homeseekers, we cover how will the NZ government changes affect the property market? Topics include the scrapping of the First Home Buyer Grant, declining interest rates, and the benefits of banking with multiple institutions. We also discuss DTI versus servicing calculations, interest deductibility changes, and their impact on the property market. Find out if council valuations matter and how OCR predictions might affect your property decisions.
Contact Simon: https://mhq.co.nz/staffmember/simon-mcdonald/
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Why is a mortgage adviser better than the bank? In this episode of The Homeseekers, we explore the advantages of choosing a mortgage adviser over a traditional bank. From accessing multiple loan options to saving valuable time, understanding the specialist vs. generalist approach, and laying the foundation for long-term wealth building, we cover it all.
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In this episode, we explore how to be a Kiwisaver millionaire with the Do Nothing Millionaire Plan. We'll discuss Kiwisaver returns over the past 12 months, the benefits of index funds, and the potential of property investments. Tune in to learn strategies for building a secure and prosperous retirement plan.
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First home buying guide NZ: Should you buy a new home or an existing home? In this episode of The Homeseekers, we explore the pros and cons of buying a new build versus an existing home in New Zealand. Discover the advantages and disadvantages of building your first home, the benefits and drawbacks of purchasing new properties, and which option might be best for you. Tune in to get valuable insights and guidance for making the right choice on your home buying journey.
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In this episode, Andy & Simon are debunking first home buyer myths in 202. From the misconception that a 20% deposit is mandatory to the belief that changing jobs increases taxation, we unravel these myths and provide clarity on the home buying process. Learn about the role of main banks versus second-tier lenders and the truth about parental assistance in home purchases. Plus, gain valuable insights into Kiwisaver contributions, risk mitigation strategies, and get answers to hot seat questions from our expert, Andy.
Sofia's episode: https://share.transistor.fm/s/f1737624
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In this episode, we unravel the journey of how to buy your first home in New Zealand 2024. We discuss with Sofia, who achieved the remarkable feat of purchasing her first home at just 23 years old. From her initial steps in discovering wealthhq to overcoming challenges along the way, Sofia shares her key strategies, including insights into KiwiSaver contributions and her experience with a mortgage adviser. Join us as we delve into Sofia's inspiring story, offering valuable lessons and memorable moments from her homeownership journey.
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In this episode, we unveil how to find your first investment property in New Zealand. From navigating the market to identifying lucrative opportunities, our experts guide you through the process step by step. Whether you're a first-time investor or seeking to expand your portfolio, this episode equips you with the knowledge needed to make informed decisions in NZ property investing.
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Discover everything you need to know about how much deposit do you need to buy a house in New Zealand. In this episode, we break down deposit requirements, explore the differences between 5% and 10% deposits, and examine how market changes can affect your deposit needs.
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Mortgage broker or bank for first home buyers in New Zealand? In this episode, Andy & Anna break down key considerations, including borrowing calculations, differences between banks, pricing structures for mortgages, and the advantages of mortgage brokers versus banks. Whether you're navigating the mortgage market for the first time or seeking to optimise your borrowing strategy, this episode provides essential insights to help you make informed decisions.
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In today's episode, Andy & Simon discuss what government incentives are available for first home buyers in NZ. From understanding the security of homeownership to leveraging opportunities for financial growth, they delve deep into the strategies that can pave the way to your dream home. Plus, hear firsthand from Simon as he shares his journey of assisting his brother into his first home and leveraging into his second. Don't miss out on this valuable insight!
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In this episode, Andy & Anna share 4 mistakes first home buyers make that stop them from buying their first home. Anna shares her personal experience and discusses with Andy the top 4 mistakes from self-doubt to financial missteps and team selection. Listen in to learn how to navigate the home buying process more effectively.
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Kāinga Ora explained! In this episode, Andy breaks down what is Kāinga Ora including eligibility for a 5% deposit, income requirements, and criteria examples. Explore the concept of low equity margin and discover strategies to increase your deposit. Gain insights into how Kāinga Ora assesses debt and the options for previous homeowners. Dive into the differences between the First Home Loan and First Home Grant and get a glimpse of interest rate trends and predictions.
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In this episode, Blandon explains how to buy your first home in 2024. Learn key steps like securing stable employment, managing debts, budgeting effectively (60/30/10 Rule), maximising KiwiSaver and more.
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Today, we dive into a crucial question: 'Is Owning a House or Renting Better?' Hosted by industry expert Blandon Leung, this episode explores the capital gains, capital improvement, cash flow, and lifestyle considerations in the context of homeownership versus renting.
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