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

 

smash your mortgage

Monday, November 09, 2015

Smashing your mortgage is easy when you know how!  heres 7 cunning ideas to save you money on your home loan...

1. Pay fortnightly 1/2 of what you would have paid monthly. (called paying bi-monthly)  So... usually you get to choose whether you want to pay weekly, fortnightly or monthly and at the end of a year youve paid the same amount, but if you work out the monthly amount and pay it fortnightly you will have paid a wopping amount straight off your balance.

2. When you come off a higher interest rate and refix, keep paying the same amount.  Whoever heard of such low interest rates???  Take advantage now and think of how much earlier you'll stop paying your mortgage - all of the extra comes off the amount owing.

3. When you get a bonus or payrise increase your mortgage payment.  Even if you are on a fixed rate most banks will allow you to increase your payments up to a certain amount or % age.  You'll never miss the money and its chomping into your balance.

4. Get offsetting! There are a couple of ways to do this via an offset account or a revolving credit facility.  Both very powerful and flexible.

5. Get a credit card.  WHAT!!! yep, in the right hands they can be very powerful tools and save you heaps of $$$.  Arrange to pay them IN FULL every month AUTOMATICALLY and you pay no interest on them. Mean time use in conjuction with an offset arrangement and you are saving heaps in interest.

6. Stay away from dodgy finance companies offering a quick solution at hideous interest rates and fees.  If your bank wont give you the money theres a really good reason why. You cant afford it.

7. Get your loan structure reviewed.  Some simple tweaks here and there can take years and years off the time it takes you to be mortgage free...  and it feels great!

Remember, its not just the principle you are paying that you save, its the iterest on that, and the interest on that, and the interest on that... well, you get the picture!

Easy eh!  Its my business to take the hard bits away from you so call me for a review of your mortgage.  Or of course if you know anyone who is thinking of buying then Id love to help them too.  I specialise in helping first home buyers who know nothing about the whole process.  And of course my service is free to you. I'm paid by the banks.

Posted? selling, buying, dont know what to do?

Monday, May 11, 2015

Its about that time, and soon you may be tapped on the shoulder with a posting to another camp.

Happened already to our oldest son and caused no end of anxiety about how to afford living in Auckland what to do with their current home. That was until we discussed the options avail and now his family have a clear (and much less anxious) path ahead.

And actually it might turn out to be quite an opportunity. He bought his first home before you could withdraw your super for the deposit and so its still sitting in there accruing nicely.

There is a way to access it under the 2nd chance home loan scheme and so we are looking into that. This one option is a game changer and could provide much more deposit to add to the pot and make buying and living in Akld work.

Your situation might be quite different, but the moral of the story is this. Get good advice from someone qualified to to give it to you. I work with Mercer to find out whats possible for service pers. I have the forms to apply for super and also work with your solicitor to make sure its all sorted property.

First home, 2nd chance home loan, or you may have used your super already and want to buy a home in the new location and dont know whether to sell your existing home. Whatever your situation I can help you know what is possible and guide you through the process.

So - in short contact me if you want to make things easier for yourself and to get the best deal. 03 319 5482 or 027 503 1080 Lets see if we can get you sorted. You know my service is free - the banks pay me.

Please send this to anyone you know who is looking to buy their own home. Posted or not, Id love to help them too.



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