Coaching you through the process of
financing a home, so you can concentrate
on what's really important in your life.

Love it, Buy it, Smash it

Friday, February 24, 2017

How would you like to be living in your own home AND  smash the mortgage as quickly as possible?  Or, do you have have some expensive debt you want to get rid of faster?

 

Well Test,  thats what this workshop is all about and you need to attend.  

 

When: Thursday 9th March

Where: Rolleston Community Centre Scout Hall

Time : 6 - 7.30 pm

Register here

 

It's a real minefield now to get into a home with kiwisaver, homestart grant, welcome home loans and changing bank requirements to deal with.

It really makes sense to understand these things before committing to buying and we have set up this evening to answer all of those questions.

Lani Gerber, senior solicitor of Kannangara Thomson Law will also join us to help you understand where your lawyer comes into this and what they do.  This is your time to pick her brains - for free!

We'll also go through some great strategies to smash your mortgage once you have it.  We know how tempting it is to keep chasing the lowest interest rate, but the loan structure is so much more important and will save you heaps.  NOT JUST BY PAYING MORE - but from where your cash and debt are sitting and in getting the structure of the loan right.

Another bonus is discussing the best ways to get rid of short term debt to get you looking much better for the banks - and to get your life back!

So, if any of this interests you, then we'd love to see you and answer your questions.  Feel confident to take the next step, whether its buying a home or getting rid of pesky debts.

 

When: Thursday 9th March

Where: Rolleston Community Centre Scout Hall

Time: 6 - 7.30pm

To register your interest plz email us 

We'd love you to pass this on to any email to any friends, family or colleagues who might benefit from this, and of course we'd love to see you too!

 

Jude and Tony Anker

 

Amazing deposit increase from kiwisaver

Friday, February 27, 2015

If you are still renting because you don't have enough deposit to buy then this is a game changer. Have a look at how the new Kiwisaver Homestart Grant can change things for you completely...

The new homestart grant comes into effect on 1st April and has the fol major changes:

  1. Increase to price caps; eg in Chch its $450,000

  1. You can now pull out more kiwisaver than before to increase your deposit:

  1. If you are buying a new house (off the plans or you intend to build) then you get DOUBLE what you used to with the subsidy. So if you and your partner both qualify you could get $20,000 PLUS your own kiwisaver funds AND the annual member tax credit.

Example - Is this you?

A couple who each earn $50,000 and have been contributing to kiwisaver for 5 yrs. They want to buy a house off the plans or build up to $450,000 in Chch.

Using a 3% rate they will be able to withdraw a total of $32,585 (excludes impact of investment returns) made up as fols

Employee contrib $7,500 per person = $15,000

Employer contrib $6,188 per person = $12,376

Member tax credit per person $2,605 = $5,210 (this is new)

Total = $32,586

PLUS Kiwisaver homestart grant = $20,000 (this is double)

giving them deposit of $52,500 for their new home smileysmileysmiley

So - in short if you are excited by this and want to know if you may be able to take advantage of the changes which happen on 1st April, then contact me to make an appointment. 03 319 5482 or 027 503 1080 Lets see if we can get you into your first home.

Please send this to anyone you know who is looking to buy their own home. Id love to help them too.

Have a fantastic day!

Jude Anker

Mortgage Advisor, Registered Financial Adviser, BAL, Nat Cert Financial Service (Financial Advice)

Banks sell money. Want advice? Then call me!

Monday, October 20, 2014

Buying a home is hard enough, without having to figure out the right finance solution as well. If you want solid advice on the best option for your own situation then use my experience and expertise, its FREE after all...

Many of the banks are advertising on great interest rates and cash bonuses, but how do you know the best way to save you money and let you have a life too?

Your own bank may not even have the right product for you, and certainly dont have the time for you to call and discuss things when you are worried. So, do you want to:

  • income or savings to reduce the amount of interest you pay?

  • have flexibility of payments, in case you get bonus or commission income?

  • have stability, knowing what your repayments will be?

  • set and forget, knowing its been sorted.

I make it my business to discuss with you the options available and what might work best in your situation. And going forward we review your situation and keep things on track.

Remember its not the interest rate - its the structure that will save you thousands of $$ in the long run and take years off your mortgage.

Oh, and by the way - its free to you because the banks value what I do and they pay me to sort out your loan for them. How good is that!!!

Who do you know that wants an advisor who really works in their best interests and pushes for the best result?

Pass this to your friends and colleagues so they can see what may be possible.

Or, if you havent taken the plunge yet then Contact me if you'd like to discuss your own situation. 027 503 1080 or 03 319 5482.

Wanna be better off by $6000? then read this

Friday, June 06, 2014

I'm so excited by the result I just got for a lovely young couple that I had to share it with you...

Just to set the scene, we had just got unconditional approval after a protracted discussion and negotiation over the building report.  It was a loan with a smaller deposit and the offer letter arrived in my inbox with not a minute to spare.  Exciting enough I have to say given the struggle to get there, and the fees were clearly laid out in the letter $500 application fee and around $2200 low equity fee (could be added to the loan). phew - no nasty surprises and just what we expected.

We have been told many times that lending at this level incurred fees and not to expect any gimmes, so we could have left it at that - But they had a bit more deposit and I thought we'd give it a crack to improve their situation and asked the bank what we could do for them.  Well... they made my day - 

$500 fee - waived - $2200 low equity fee - reduced to $650

Saving $2050

But thats not all - the bank is giving $2000 cash

AND they discounted the interest rate equating to $1950 saving over the 3 year period of their fixed loan.

Thats a wopping $6000 turnaround on what was originally offered!

So, who do you know that wants an advisor who really works in their best interests and pushes for the best result?

Pass this to your friends and colleagues so they can see what may be possible.  

Or, if you havent taken the plunge yet then Contact me if you'd like to discuss your own situation. 027 503 1080 or 03 319 5482.

Home loan borrowers flocking to fixed rates

Thursday, March 20, 2014

To fix or not to fix? 

How on earth do you make the right decision given the economy in NZ and the world.  Well my suggestion is to look to your own family cashflow situation first and base your decision on that. Yep, sure rates are trending upwards but consider the following:

  1. What is going to change in our family financially in the next 1 – 5 years?
  2. Is stability more important than the best rate?
  3. Do I just need to survive the next 6 – 12 months and then we will have more income (i.e. baby on the way, kids about to go to school)?
  4. Are we going to receive a lump sum in the near future?
  5. We can afford to pay more now but plan to have kids in a few years.
These things are just as important in making the decision to fix or not. Take these into consideration along with the trend in rates and you’ll make a more informed decision. If that all sounds too daunting then give me a yell. The banks pay me to help you through this process and it costs you nothing. Ph. 03 319 5482, 027 503 1080 or jude@investorsolutions.co.nz

how the Chch govt values may save you $$$$$

Monday, March 17, 2014

If you bought a house in Chch over the past few years with a small deposit you may be pleasantly surprised...

Its possible you currently have loaded interest rates or are not able to get any discounts because of this, but there may be a bit of relief in sight for you.  If your new rateable value is higher than the 2007 one then we may be able to get the loading removed.  You need to be either on floating or coming off a fixed period for us to do this for you. 

All you need to do is check your rateable value online www.ccc.govt.nz and then call me. I'll do the maths for you and see if we can reduce your repayments, and even ask for a discount!

 Contact me if you'd like to discuss your situation. 027 503 1080 or 03 319 5482.

time to refix? heres a trick to save money

Friday, January 31, 2014

If you are within 30 and at some banks 60 days of coming off your fixed rate loan we can reserve a rate in advance and lock it in.  Perfect in this situation of rising interest rates, you may just sneak in before they go up.

feeding kids in NZ

Tuesday, June 11, 2013

Feeding our kids is very topical at present, but at Investor Solutions we have been helping kids for over 3 years. For every loan we do we give to charity.  For the first 2 years it was to orphans in Nepal to have a place to live, after holidaying there and seeing the poverty all around us.  This year we brought our giving back to NZ and to feed kiwi kids, see the widget on our website and follow the link to Buy 1 Give 1, giving through businesses where 100% goes to the kids.

4.95percent for 1 yr

Friday, May 31, 2013

most of the banks are now offering 4.95% for 1 yr, but dont jump at the cheapest rate on offer, its best to review your lending and get the most appropriate term for you own circumstances.  You just need to contact me and I can do a review with you and of course there's no charge to you for this.

Refinancing - is it worth it?

Wednesday, February 29, 2012
The other day a client called to ask whether it was worth refinancing his rental property loan.  After I analysed his situation and interest he was paying at his existing lender I worked out he would save $60 per month in interest.  Because we got $1,750 from the new lender there was no cost to client to change banks.  So great win for him - $60 per month in his pocket.  Do you know anyone who would like to know if this might work for them?  Give me a yell 03 319 5482, 027 503 1080.


Contact us now to arrange a Home Loan, our services are FREE!