The Mortgage Man - A podcast for everyone with or wanting a mortgage

Sometimes people have already found a house when they make contact, other times it can take 6-12months. The latter is more relevant for this client. In this podcast I interview Georgia, who took about 6-7 months to go from pre-approval to buying. We talk about the ups & downs and why it's worth sticking with it. Join the free academy here to learn everything you need to know about buying y...

One big adult step is buying a house and having kids, but what about a Will? You've probably heard of these but don't really know what happens when you have one compared to when you don't . In this episode I talk to Holly from Succession Wills who goes over all the questions that people need to think about when putting one of these in place, and things to look out for if you or your fa...

If you have decided you want to buy your first you will realise pretty quickly that you don't know where to start , or how to find your ideal first home...Then once you do find it, how do you know how much to offer on it? This is one of the most common questions I get, so I invited Vanessa from Realestate.co.nz to help. ------------ This and all other podcasts are available on Spotify and part of...

People are pretty casual about these "I'll get me mate to do it" But this episode covers why you should get one and get it done by some who is experience, registered and insured. I am joined by Jeremy from Red LBP Inspections (www.redLBP.co.nz)

I helped Tayla and her family buy her first home. Listen to this episode to hear more about what she thought about the process of buying her first home.-------------------See more on TikTok https://www.tiktok.com/@themortgageman_nzApply for pre-approval https://ztbhgiluu6t.typeform.com/to/TnwhIdPWFree Guide and Podcast https://linktr.ee/themortgage_man

Do you need life insurance when you buy a house? What about medical? Mortgage protection? Anything else? It's complicated, and even if you decide you want one or all of these insurance products, how do you know how much cover you should get for each? I sit down with Luke, an insurance advisor that specialises in this stuff so you can learn about what you need vs what you don't See more on...

One of the key professionals you need to leverage in your first home property purchase is a lawyer. So when do you do this? How much do they cost and what do they actually do? Adam from NZ Legal joins me to go over all of this. To work with me or join The Free First Home Buyer Academy, click here

If you are on the fence about buying a home, then you need to listen to this. It's been 6 months since I worked with Jason and I checked in with him to see how having a new home, and having a mortgage was going.

No offence to all my other clients but this story is just so good. In this episode I am joined by Sheryl who I recentaly helped into her first home with her husband. What a story and hopefully you gain some value from it.

Should you buy or build your first home? Before you answer that, it would be important to under the process and costs of building a property. That includes how to finance it from the bank. Because things are a little different. There is more than one option, but usually, it's a turnkey option or a progressive option. If you don't know what those terms mean then you neeeeeed to listen to th...

Want to sell your property soon? Is now a good time to sell? How do you get the best price? Is it best to list via auction or negotiation? Completely renovate your house or leave it as is? All these questions are useful, and I didn't know the answers so I decided to ask someone who does know the answers, and the person is Rachael from Harcourts. Have a listen, and let me know what you think.

Open homes are scary - and auctions even more so. What can you do at open homes to give you a bit of an advantage over everyone else? What can you ask, & what are you supposed to look for when going through a stranger's home that you like? In this episode, I pose these questions and many more to Rachael from Harcourts as we discuss the open home process as well as the buying-at-auction pro...

Do you need a property accountant? Probably - With guest speaker Anthony Appleton-Tattersall, my accountant. Property tax is becoming alot more complex with all the changes, so whether you think having a property accountant is worthwhile depends on a few things. And in this episode, I speak with my accountant on a few of those topics, including - Capital Gains Tax - Brightline - Trusts (do these r...

Surprise! Inflation is not as bad as we thought!  Finally some good news - but does this mean interest rates are coming down? Not quite- but at least things are slowly turning around which hopefully means they won't go up any further. But we will see what the next OCR announcement holds as the OCR is more closely linked to mortgage rates than inflation.  We discuss when we think this will happ...

With all that is going on overseas, bank collapses, bailouts, and general uncertainty we are getting a lot of questions about this topic. What happens to my savings if the bank collapses? What about my mortgage? Is my KiwiSaver safe? For each question there is a very different answer. And realistically what is the chance of a bank in NZ collapsing? Listen in and let us know what you think. Pre-app...

Sometimes there will be property features that you will love. Other times not so much, and even more so there will be times when alarm bells go off. So should you walk away or can you turn these red flags into opportunities? - Mono plaster cladding properties. - Unconsented works - Leasehold titles Have a listen and let us know what you think!

A complicated topic, but worthwhile, especially now as the 1-year interest rates and the floating rates are quite similar. Done correctly, a revolving credit or offset savings account can save you $100,000's on interest repayments. In this episode, Ant and I go through who these accounts are best suited to, and how to maximize these products. We also talk about the differences between them at diff...

Last week the inflation report came out and while it wasn't exactly what we wanted, it's still going to impact the housing market. Ant and I have been going over the numbers and want to share our thoughts with you. We're breaking down how the inflation report will affect house prices and interest rates in the near future. This week has been a little crazy in the mortgage world, with some banks rai...

Well, that was unexpected. Jacinda resigns. What does this mean for the future of the property market, first-home buyers, and the rental market in New Zealand? I think the biggest effect this is going to have is now it drastically decreases the chances Labour has winning the next election, thus meaning National is likely to get in. And for that, there are some clear policy differences- listen to t...

Welcome to 2023... First let's talk about the elephant in the room: interest rates and house prices. Yes, they are currently on the rise and the market may seem a bit daunting. But don't let that discourage you. Rather let it be a warning. Some people would say buying now is risky. And it is. If you don't know what you are doing. But take some comfort in this- seasoned property buyers are buying n...

As you start to unpack what a crazy year we've had in 2022 you might be thinking what on earth is going to happen in 2023? You'd be right to wonder if 2023 is going to be even more unpredictable than this year we've just had. We've had these same thoughts in the office so decided to do a podcast on it. Firstly we recap what happened in 2022 then dive into what our predictions for 2023 will be. How...

It's never nice to talk about, but sometimes serious illness, accidents or death happens. In those situations, most people do not want to have to sell their homes to pay the bills or mortgage if one person can no longer work. That's where mortgage protection insurance can help. But do you actually need it? Today, Anthony & I discuss this and other potential insurance products to protect your a...

Fear of losing your deposit if the developer goes under? Fear of buying a house that's going to leak or fall over? Fear of overpaying in this market? Fear of rates increasing so much you can't afford them? Fear of the home value decreasing the day after you buy? A lot of fearful thoughts.. But no worry.. We are here to save you- hopefully. Chris and I cover why these thoughts, although quite norma...

The bank of Mum and Dad has become the 5th largest home loan lender in New Zealand , with an estimated $22.6 billion being loaned out to family members to help them get into a home. But not everyone has this as an option to them.. Maybe, a sibling or friend can help instead. Either way, there are some benefits and negatives to using family or friends as a bank And there is a lot more information y...

The OCR is up again, and this time a massive 0.75 jump. The biggest jump we've had. Should you care? Yes; especially when you hear The Reserve Bank say things like "we are trying to purposely put NZ into a recession" This podcast is quite sobering, but we do give you tips on how to get out the other side. If there is only one thing you learn by listening it is this; stop spending money you don't h...