There are some difficult mortgage applications where banks say “NO” and other mortgage brokers give up. It’s at times like this that the specialist non bank brokers really earn their keep. Maree’s Finance Was Not Easy Maree approached us after almost giving up on her home ownership dream – we were the last resort. She
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Do you need to improve your financial habits? Most of us probably do have room to improve some financial habits, but we don’t know where to start. Changing Any Habits Is Not Easy They says that on average, it takes more than 2 months before a new behavior becomes automatic — 66 days to be
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We cannot dwell on the past, but unfortunately the banks often do and penalise us for years after we have had something go wrong. A default will stick on our credit reports for 5-years after being listed and when the banks see this “bad credit” they will typically decline lending applications. We say typically because
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Yes, I get contacted often by people who have complex issues and therefore difficult loans that need to be sorted out. I was recently contacted by Helen who needed to refinance a mortgage on an extended family owned property and consolidate loans that she had for her business. From the outset I knew that it
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Today we received the mortgage approval by a non bank lender for a West Auckland couple who had been struggling to get their mortgage refinanced. They wanted to consolidate their finance company loans with refinancing their mortgage. It made common sense as they had an existing non-bank mortgage of $572,000 where they have been paying
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Recently I was approached by Peter who was looking for a way to finance tax debt after his bank (Westpac) had said they could not help. Peter had relied on his accountant to calculate his tax but there had been some errors, and so he changed accountants who recalculated the previous 2-years financials and he
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How good are you at managing your bank accounts? Some people know that there bank accounts do not look too good while others know that they manage their accounts well, but there are also a large number of people that have probably never thought about how good or bad they are. What Do Banks Consider
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