Loan Market Queenstown

Our team are taking a very well-deserved break over the holidays so our office will be closing tomorrow, 24th December, and reopening on Monday the 6th of January! We wish everyone a safe and enjoyable holiday period!

Wow what a review! 🙌 And we are pretty stoked to finish the year with over 230+ 5 star reviews on Google! Thanks to everyone who's trusted us to help you with your lending and KiwiSaver! ⭐️⭐️⭐️⭐️⭐️

At the start of December we celebrated another great year with our annual team Christmas party! We headed off to Ayrburn for the day to enjoy some delicious food and some of the finest local brews on offer!

Another month down, so here's what you need to know about the Queenstown property market right now... 🏠 The average Queenstown home sold for $1,340,000 ⬇️ This is down 2.5% on October and down 2.9% on this time last year 🏘 There were 128 properties sold in Queenstown 😁 Owner-occupiers and first home buyers are still the most active buyer groups 👫 Attendance at open homes remains steady, with more and more buyers beginning to enter the market What can we take from this? Interest rates are declining, there are lots of properties on the market, and house prices are still on the low side. It's a great time right now for buyers to make their move. We recommend if you are keen to buy a home in 2025, to get pre-approved as soon as you can so you are able to move when the perfect property comes up. Get in touch with us today and we can get the ball rolling! Source: REINZ

When it comes to your KiwiSaver account, apart from retirement, there's generally only two additional ways to access the money in your account. These are: 🏠 To buy a first home 💸 Financial hardship In order to access the money for both of these, criteria apply. It's also important to consider the future impact that early withdrawals can have on your funds. While it can be great knowing the money is there, should you need it, it's also important to assess whether a withdrawal is the right move and weigh up the long-term effects. Thankfully that's something we can help with. If you are looking to use your KiwiSaver for a first home, or are facing hardship, then reach out to us to see if a KiwiSaver withdrawal is the right move for you now, or if there's other options we could look at.

Household living costs have been rising steadily, with these costs rising 20.3% in the last 3 years. Many families and individuals are feeling the pinch, despite the fall in inflation. So to help ease the stress, here's 7 quick ways to fight back against rising prices and reduce your overall household spending.... 🏋️♀️ Cancel subscription services you rarely or never use 🍎 Bring your lunch to work or try and cook at home vs eating out 🛍 Try to limit your purchases of clothes and household appliances to sale periods 🚗 Take domestic rather than international holidays 📚 Borrow books from your library rather than buying them new 🍸 Go out less – a night in with friends can be just as fun as going out 🏠 Consider refinancing your home loan – it might be possible to switch to a comparable loan with a lower interest rate If you'd like to chat refinancing or discuss applying for a home loan, then get in touch. Guiding borrowers through the ins and outs of lending is what we do best, and we'd love to help you too. Give us a call on 03 441 1307 or click below to fill in our online form and we'll be in touch! 👇 https://lnkd.in/g92BQWVK #nzeconomy #queenstown #mortgageadvisors #loanmarket

According to CoreLogic, first home buyers were responsible for 27% of all property purchases in New Zealand for the first 9 months of this year. This is well up on the long-term average of 21% and it's great to see this figure moving upwards. While there will never be the 'perfect' conditions to buy, right now is a great time, with house prices still on the lower side and interest rates beginning to fall (and tipped to keep falling). If you are considering buying your own home, we encourage you to reach out and have a chat to us. You might be closer to buying a home than you think, and even if you're not quite there yet, we can help recommend saving and financial strategies to help you get there sooner. Reach out to us via our contact form below or give us a call on 03 441 1307. 👉 https://lnkd.in/g92BQWVK

Buying your first home can feel a bit overwhelming with so many new things to wrap your head around! That’s where we step in, simplifying the process so it’s easy to follow (no mortgage jargon here). And if you like a little canine companionship? Our office pup is always ready for cuddles! 🐾🐶 #queenstown #firsthomebuyers #centralotago #mortgageadvisors

Did you know that there are 3.3 million Kiwi's enrolled in KiwiSaver, but that 1.2 million aren't actively contributing? 👉 If you are one of the 1.2M, you are missing out on all of the benefits of being a KiwiSaver member, including Government contributions, employer contributions, and the benefits of compounding interest (essentially all free money!) 🤑 All of this can have a huge impact on how much you'll have available to you when it's time to retire. If you'd like to learn more about KiwiSaver and how you can optimise your fund, then reach out for a free chat. We'd love to help you feel confident in your financial future! https://lnkd.in/g92BQWVK #kiwisaver #nzeconomy #queenstown

The holidays are around the corner—a time for cheer, delicious food, and maybe a bit of extravagance. But let's face it: the excitement of gift-giving and festive splurges can easily lead to a financial frenzy. Whether you're a homeowner, planning to buy a house soon, or just want to avoid starting the New Year in the red, keeping a grip on your holiday budget can save you from a January of regret. Here’s 6 tips to make sure the spirit of Christmas doesn’t haunt you in the New Year! 🎄 Set a realistic budget—and stick to it 🎄 Steer clear of ‘Buy Now, Pay Later’ 🎄 Choose moments over money 🎄 Build a christmas cushion 🎄 DIY like a pro 🎄 Think Ahead to New Year Goals Click below for a full breakdown on how to keep within the budget this Christmas 👇 https://lnkd.in/gANpCsiE