What do I need to know buying with a 10% Deposit?

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What does a Mortgage Broker do?

Ever wondered what a mortgage broker really does?

In this podcast video, we break down the essential roles of a mortgage broker that go far beyond securing a home loan. Join us as we explore the 5 key points that make your Mortgage Broker an invaluable ally in your home- buying journey.

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How do you even start to buy a house?

On today's episode of the First Home Buyers Podcast, we talk about how to start with your house-buying journey in NZ. We will take you through the first questions we ask all our buyers and help you build your own idea of where to start and make the processes heaps easier.

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What do I need to know buying with a 10% Deposit?

Today's episode is about the hurdles you will face as a first home buyer in NZ with less than a 20% deposit.

We discuss all the different unique restrictions and fees you will face with different types of property.

Is it it still worth it? You betcha! The best time to buy property is always yesterday but after today you will know more of what you are in for.

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What's stopping you from buying (Foop Vs Fomo)

Once you know that you can buy a house there are typically 2 fears that stop you buying a house in NZ. FOOP (Fear Of Over Paying) is where you sit around waiting for the "bottom" of the market scared that you will pay too much. FOMO is where you act without thinking, scared that the market is going to go up quickly. Listen in to your hosts from Tanta Mortgage Brokers to learn how to avoid the traps each fear brings and how to recognize what kind of market you are dealing with. Enjoy!

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Buying Property Who's on your team?

It takes a team of people to buy a house. Have you chosen yours? In this video we discuss who should be on your team, some thoughts on how to put together the best group of professionals to buy a house in NZ. We'll share helpful tips to make sure your experience of buying a house is easy, enjoyable AND you have the confidence to choose your team wisely. Do you go direct to the bank? Do you trust the person on the end of an 0800 number? Should I use my parent's lawyer? After tuning in, you'll know the answers to these questions and more you haven't thought of but should have. Enjoy!

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What's Happening with interest rates?

Every BBQ we go to this is bound to be a topic of conversation. Everyone wants to know whats happening with interest rates here in NZ, so today we scratch the surface of what actually makes them go up and down? No one can tell you with any certainty what exactly is happening with interest rates but here's a little explanation of what can influence it.

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Is the Real Estate Agent a friend or a foe?

It always amazes us the approach that some buyers adopt when dealing with a real estate agent in the midst of a negotiation. Sure, the agent is employed by the seller to get them the best price and draw as much money as they possibly can from the buyer. BUT they are crucial person for you to buy the home that you want here in NZ – particularly when there is competition to secure it!

This podcast is here to help you navigate a sometimes tricky relationship in your buying journey. We outline some of the do's and don'ts for you to get the best out there.

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Getting a mortgage? What does the bank ACTUALLY want to know about YOU?

So you want a first home loan in NZ? What does the bank ACTUALLY look for?

Today we discuss what the bank is looking for in your first home loan. What matters and what doesn't?? Ever wondered if too many coffees or takeaways makes things harder? These are the 5 key areas a bank will look at and what they mean for you.

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Is buying with family a good idea?

Buying anything with family can be difficult let alone the most expensive thing you will ever buy. BUT it could be the thing that sets you in the right direction. We talk about all the pros and cons of buying a first home in NZ with your family.

We hope you enjoy.

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You got a Pre Approval now what?

Getting a mortgage in NZ is sometimes the easy part. Finding a house and all the questions that come next can be just as daunting. We walk you through the most common steps that you need to go through to get your first home!

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I want to buy a house what should I do with my KiwiSaver?

If you want to buy a house in NZ you need a deposit. Chances are the majority of that deposit will come from KiwiSaver. We dive into what to do before you buy and how to get the most out of your KiwiSaver

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How do you know the REAL value of a property?

Buying your first home in NZ can be difficult to get an understanding of what a property is ACTUALLY worth. There are soo many different terms used by different people in the industry. Today we go through what they all mean and how they are all used. Enjoy.

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Why should I get a mortgage when it's cheaper to rent?

Why Should I get a mortgage when it's WAY cheaper to rent? Renting is currently half the price of a mortgage week to week. So there must be a reason why people are still lining up to buy.The reason why is because it’s better for you in the long run. Buying your first home nz sets you up for life if you do it correctly.

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What is a bad credit score and how does it effect my mortgage?

Credit is borrowing someone else's money. Bad Credit is doing a bad job looking after someone else's money. And a credit score is your track record of how well you have done and how reliable you are.

But how does that affect things for a mortgage in NZ?? Its not the same as other parts of the world so listen in to see the what your in for if you have Bad Credit.