tag:blogger.com,1999:blog-28340301928679625292023-11-15T09:31:57.199-08:00Mortgage MantraAt Mortgage Mantra, we have the knowledge & experience gained over the last 10 years to assist you with impartial advice based on your unique financial situation.
Ring us today for the best advice on mortgages 0800 728 474Mortgage Mantrahttp://www.blogger.com/profile/13674347000250569912noreply@blogger.comBlogger27125tag:blogger.com,1999:blog-2834030192867962529.post-75958366188360733102011-10-10T04:52:00.001-07:002011-10-10T04:52:40.632-07:00Why Mortgage Mantra<!--[if gte mso 9]><xml>
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<b style="mso-bidi-font-weight: normal;"><u></u></b><b style="mso-bidi-font-weight: normal;"><u></u></b></div>
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<span style="font-size: large;"><b>Why use mortgage mantra or any other broker and not your own
bank or another bank?</b></span></div>
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<br /></div>
<div class="MsoListParagraph" style="mso-list: l0 level1 lfo1; text-indent: -.25in;">
<span style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span>BANK SELLS ONLY 1 PRODUCT – THEIR OWN</div>
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<br /></div>
<div class="MsoListParagraph" style="mso-list: l0 level1 lfo1; text-indent: -.25in;">
<span style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span>IF YOUR APPLICATION DOES NOT FIT THE BOX –
DECLINED (NO REASON GIVEN IN MANY CASES)</div>
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<br /></div>
<div class="MsoListParagraph" style="mso-list: l0 level1 lfo1; text-indent: -.25in;">
<span style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span>IF YOUR APPLICATION IS APPROVED – NOT MUCH SCOPE
ON NEGOTIATIONS OF RATES & FEES IN MOST CASES</div>
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<br /></div>
<div class="MsoListParagraph" style="mso-list: l0 level1 lfo1; text-indent: -.25in;">
<span style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span>YOU MAY BE CHARGED APPLICATION FEE, LOW EQUITY
MARGIN</div>
<div class="MsoNormal">
<br /></div>
<div class="MsoListParagraph" style="mso-list: l0 level1 lfo1; text-indent: -.25in;">
<span style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span>YOU HAVE TO TAKE TIME OFF TO GO TO THE BANK AT
LEAST ONCE</div>
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<br /></div>
<div class="MsoListParagraph" style="mso-list: l0 level1 lfo1; text-indent: -.25in;">
<span style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span>IN MANY CASES YOU DO NOT EXPLAIN YOUR SITUATION
FULLY</div>
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<br /></div>
<div class="MsoListParagraph" style="mso-list: l0 level1 lfo1; text-indent: -.25in;">
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</span></span></span>BANK MAY NOT BE FLEXIBLE – DO NOT FIT THE BOX
SCENARIO</div>
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<br /></div>
<div class="MsoListParagraph" style="mso-list: l0 level1 lfo1; text-indent: -.25in;">
<span style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span>BANKER MAY BE NEW TO ROLE AND APPLICATION IS
DECLINED</div>
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<br /></div>
<div class="MsoNormal">
WE HAVE ACCESS TO DIFFERENT LENDERS WITH DIFFERENT SHAPED
BOXES TO MEET YOUR APPLICATION NEEDS</div>
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<br /></div>
<div class="MsoListParagraphCxSpFirst" style="margin-left: 39.0pt; mso-add-space: auto; mso-list: l2 level1 lfo3; text-indent: -.25in;">
<span style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span>WE COME TO YOU AND SPEAK YOUR
LANGUAGE-UNDERSTAND YOU AND YOUR SITUATION BETTER AND PRESENT THE APPLICATION
DIFFERENTLY TO ACHIEVE AN APPROVAL THAT MATCHES YOUR NEEDS.<a href="" name="_GoBack"></a></div>
<div class="MsoListParagraphCxSpLast" style="mso-list: l1 level1 lfo2; text-indent: -.25in;">
<span style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span>WE ARE ABLE TO MATCH THE APPLICATION WITH A
LENDER</div>
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<br /></div>
<div class="MsoListParagraph" style="mso-list: l1 level1 lfo2; text-indent: -.25in;">
<span style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span>WE SEARCH FOR THE MOST VIABLE OPTION FOR YOU IN
CONSULTATION WITH YOU</div>
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<br /></div>
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</span></span></span>WE GUIDE YOU THROUGH THE BUYING PROCESS-EVERY
STEP WHEREAS THE BANK WILL NOT BE AS INTERESTED AS WE ARE</div>
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</span></span></span>WE ARE AVAILABLE 7 DAYS A WEEK TO ANSWER YOUR
QUERIES OR TO VISIT YOU AT YOUR PLACE</div>
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</span></span></span>IN CONSULTATION WITH YOU AND AFTER WORKING ON
YOUR BUDGET, WE WILL PUT THE APPROPRIATE LOAN STRUCTURE IN PLACE FOR YOU.</div>
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</span></span></span>IN MOST APPLICATIONS, WE DO NOT CHARGE YOU A
FEE. IF THERE IS A FEE INVOLVED, THIS IS DISCUSSED AND AGREED ON BEFORE WE
START WORK ON YOUR APPLICATION.</div>
Mortgage Mantrahttp://www.blogger.com/profile/13674347000250569912noreply@blogger.com5tag:blogger.com,1999:blog-2834030192867962529.post-45563261970977688422011-10-10T04:51:00.002-07:002011-10-10T04:51:57.384-07:00Why Refinance<span style="font-size: small;"><b>WHY REFINANCE?</b><br /><br />• CHANGING FROM A NON-BANK TO A BANK OR FROM ONE BANK TO ANOTHER-PERSONAL SERVICE,POLICY GUIDELINES ARE DIFFERENT<br />• UNHAPPY WITH CURRENT PROVIDER FOR VARIOUS REASONS INCLUDING:<br />• BETTER INTEREST RATE-PAYING HIGHER RATES CURRENTLY<br />• BETTER OVERALL LOAN STRUCTURE (FLEXIBILITY TO CHOOSE BETWEEN FIXED & VARIABLE RATE LOANS)<br />• ABILITY TO MAKE SOME EXTRA REPAYMENTS<br />• BUYING ANOTHER PROPERTY<br />• HELPING A FAMILY MEMBER BUY A PROPERTY<br />• BORROWING ADDITIONALLY TO – RENOVATE/UPGRADE/EXPAND/BUILD/IMPROVE<br />• DEBT CONSOLIDATION – CAR LOAN,C/C,HP,PERSONAL LOAN,OTHERS<br /><br />THERE ARE A FEW OTHER REASONS. WHEN CONSOLIDATING DEBT –WHETHER REFINANCING OR NOT- NEED 6 MONTHS REPAYMENT HISTORY OF LOANS BEING CONSOLIDATED/REFINANCED<br /><br />SHOULD HAVE SUFFICIENT EQUITY TO BORROW ADDITIONALLY<br /><br />SHOULD HAVE ENOUGH INCOME TO SERVICE ADDITIONAL BORROWINGS<br /><br />IS PROPERTY ACCEPTABLE TO NEW LENDER? <br /><br />COSTS INVOLVED: EARLY REPAYMENT FEES IF ON FIXED RATE TERM OR EARLY EXIT FEES IF WITH A NON-BANK LENDER (CHECK LOAN TERMS), ADMIN FEES, VALUATION, SOLICITOR, and NEW SET-UP OF <br />AP ‘S, LENDER’S FEES, LOW EQUITY PREMIUM IF LVR OVER 80% <br /><br />SOME OF THE COSTS ARE EXPLAINED</span>Mortgage Mantrahttp://www.blogger.com/profile/13674347000250569912noreply@blogger.com0tag:blogger.com,1999:blog-2834030192867962529.post-39497241689473423252011-10-10T04:51:00.000-07:002011-10-10T04:51:11.775-07:00Why Insurance<!--[if gte mso 9]><xml>
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<b><span style="font-size: 13.5pt;">Why personal life
insurance?</span></b></div>
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<b><span style="font-size: 16pt;">10
reasons to get life insurance...and hold on to it</span></b></div>
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<b style="mso-bidi-font-weight: normal;"><span style="font-family: "Arial","sans-serif"; mso-bidi-font-style: italic;">People
insure their car, furniture, luggage,travel and even their pets - but often
neglect to insure their hard-earned lifestyle. Left uninsured, which
would be the greatest loss?</span></b><b style="mso-bidi-font-weight: normal;"><span style="font-family: "Arial","sans-serif";"></span></b></div>
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<b><span style="font-family: "Arial","sans-serif";">Purse strings may be tight today, but
you'll still want to keep your long-term financial goals on track. </span></b><span style="font-family: "Arial","sans-serif";">We all like to think “it’s never going
to happen to me”, but accidents and illness can happen. And some of
us die too soon. Life can be unpredictable, which is why many of us decide
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<b><span style="font-family: "Arial","sans-serif";">Here's why a combination of life,
disability and critical illness cover could be your best protection:</span></b><span style="font-family: "Arial","sans-serif";"></span></div>
<ol start="1" type="1">
<li class="MsoNormal" style="mso-list: l0 level1 lfo1; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list .5in;"><b><span style="font-family: "Arial","sans-serif";">At some point, there’s a good chance you’ll be too
sick to work over an extended period of time.</span></b><span style="font-family: "Arial","sans-serif";">2 out of 5 people could be
unable to work for six months or more because of sickness or accident.<sup>1</sup></span></li>
<li class="MsoNormal" style="mso-list: l0 level1 lfo1; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list .5in;"><a href="" name="_GoBack"></a><b><span style="font-family: "Arial","sans-serif";">ACC can’t always help you.
Contrary to popular belief, you can’t rely on accident compensation in all
situations.</span></b><span style="font-family: "Arial","sans-serif";"> And
you’re more likely to be disabled by illness than by accident – 40% of
disabilities are due to disease or illness while only 34% are due to
accident or injury.<sup>2</sup> Insurance for illness and injury can help
when ACC isn’t able to.</span></li>
<li class="MsoNormal" style="mso-list: l0 level1 lfo1; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list .5in;"><b><span style="font-family: "Arial","sans-serif";">Sickness is more likely to leave you with a
long-term disability.</span></b><span style="font-family: "Arial","sans-serif";">
Of disabilities lasting six months or more, only one in 20 is related
to accidental causes.<sup>3</sup> Insurance can help keep your household
running while you recover. It can also fund rehabilitation and retraining
to speed your return to work.</span></li>
<li class="MsoNormal" style="mso-list: l0 level1 lfo1; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list .5in;"><b><span style="font-family: "Arial","sans-serif";">Many people die before the age of 65.</span></b><span style="font-family: "Arial","sans-serif";"> Most of us think we’ll live to a
ripe old age, but one in six males and one in nine females over the age of
30 will die before they reach 65.<sup>4</sup> Life Cover pays a lump sum
if you die, to look after the people you leave behind.</span></li>
<li class="MsoNormal" style="mso-list: l0 level1 lfo1; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list .5in;"><b><span style="font-family: "Arial","sans-serif";">You’re a key income earner for your family.</span></b><span style="font-family: "Arial","sans-serif";"> How long could your family
survive without the income you generate? Insurance, such as Family
Protection, provides an ongoing monthly income.</span></li>
<li class="MsoNormal" style="mso-list: l0 level1 lfo1; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list .5in;"><b><span style="font-family: "Arial","sans-serif";">You have a mortgage.</span></b><span style="font-family: "Arial","sans-serif";"> Who would pay the mortgage if
your income stopped, and how long could they keep it up? An insurance
claim could be used to clear or reduce an existing mortgage. </span></li>
<li class="MsoNormal" style="mso-list: l0 level1 lfo1; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list .5in;"><b><span style="font-family: "Arial","sans-serif";">Recovery is faster without financial stress.</span></b><span style="font-family: "Arial","sans-serif";"> Worrying about money doesn’t
help recovery after an illness or injury. Insurance eases your concerns,
so that you can relax and get better. </span></li>
<li class="MsoNormal" style="mso-list: l0 level1 lfo1; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list .5in;"><b><span style="font-family: "Arial","sans-serif";">Of cancer patients, 52% of males and 59% of females
will still be alive five years later.<sup>5</sup></span></b><span style="font-family: "Arial","sans-serif";"> Treatment for cancer often makes
it hard or impossible for people to work. Living Assurance protects your
lifestyle while you recover.</span></li>
<li class="MsoNormal" style="mso-list: l0 level1 lfo1; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list .5in;"><b><span style="font-family: "Arial","sans-serif";">If you have a stroke, survival could mean ongoing
disability.</span></b><span style="font-family: "Arial","sans-serif";"> A
study of the population of Auckland reveals that while the number of
deaths after stroke has declined, there has been a significant increase in
the number of people with an impaired level of consciousness and mobility
following stroke.<sup>6</sup>A lump-sum payment from Total Permanent
Disablement insurance is a huge help if this happens.</span></li>
<li class="MsoNormal" style="mso-list: l0 level1 lfo1; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list .5in;"><b><span style="font-family: "Arial","sans-serif";"> Raising a family as a solo parent is hard
work. </span></b><span style="font-family: "Arial","sans-serif";">If you
died suddenly, your partner or spouse would have the task of raising the
children without your help. Life Cover can take care of your family
financially, making it easier to maintain the lifestyle they’re used to.</span><span style="font-family: "Arial","sans-serif";"> </span></li>
</ol>
<h3>
<u><span style="font-weight: normal; mso-bidi-font-weight: bold;">Life Cover
personal & business</span></u></h3>
<h1>
<span style="font-size: 16.0pt; font-weight: normal; mso-bidi-font-weight: bold;">Life
Cover</span></h1>
Life Cover pays out in the event of your death – either as a lump sum or as
a monthly benefit. This type of cover can support the loved ones you leave
behind, and if you're a business owner or shareholder, it can also secure
the business' long-term survival.<br />
<div class="MsoNormal">
<a href="https://www.sovereign.co.nz/story6918.aspx?"><b>Leaving
a lump sum to the people who matter most </b></a><br />
If your family needs your income to survive, Personal Life Cover can help them
to cope financially without you.<br />
<br />
<a href="https://www.sovereign.co.nz/story6918.aspx?"><b>Leaving a lump sum to
take care of your business partners</b></a><b><br />
</b>Businesses can be at risk when a partner dies. Business – Life Cover can
make it easy for surviving partners to take over your share and keep the
business running.<br />
<br />
<a href="https://www.sovereign.co.nz/story1506.aspx?"><b>Creating an ongoing
monthly income for your family</b></a><b><br />
</b>If you’d rather leave your family with an ongoing monthly benefit, instead
of one big lump sum, you may prefer Family Protection.<br />
<br />
<strong>Accidental Death </strong>–<strong> another option</strong><br />
For people who aren’t eligible for regular Life Cover, or simply need a more
affordable option, Accidental Death insurance could be the answer.</div>
<div class="MsoNormal">
<br /></div>
Mortgage Mantrahttp://www.blogger.com/profile/13674347000250569912noreply@blogger.com0tag:blogger.com,1999:blog-2834030192867962529.post-68690479286992289932011-10-10T04:49:00.001-07:002011-10-10T04:50:10.879-07:00Eligibility to qualify for Home LoanWHO QUALIFIES FOR A HOME LOAN IN NEW ZEALAND ?<br />• NZ RESIDENT / NZ CITIZEN / AUSTRALIAN CITIZEN<br />• THESE 3 CATEGORIES EASILY QUALIFY FOR 95% BORROWING – BORROWING WITH ONLY A 5% DEPOSITFOR A FIRST HOME<br />• NZ WORK PERMIT HOLDERS QUALIFY – DIFFERENT CRITERIA<br />• NON – RESIDENTS QUALIFY – DIFFERENT CRITERIA<br />• IF YOU ARE ON A WORK PERMIT OR ARE A VISITOR TO NZ-ASK ME HOW<br />• APPLICANT SHOULD BE AT LEAST 18 YEARS OF AGE<br />• YOUNGER APPLICANTS QUALIFY FOR UP TO A 30 YEAR TERM – I PERSONALLY NO LONGER RECOMMEND A 30 YEAR TERM<br />• APPLICANTS OLDER THAN 60 NORMALLY GET A LIMITED TERM-THIS CAN DIFFER WITH DIFFERENT LENDERS<br />• APPLICATIONS CAN BE SOLE APPLICANT / SOLE INDIVIDUAL OR MULTIPLE APPLICANTS( JOINT /FAMILY)<br />• APPLICANT/S SHOULD HAVE SOME FORM OF VERIFIABLE INCOME<br />• FOR 95% LENDING – WORK HISTORY MUST BE STEADY – MINIMUM 1 YEAR IN CURRENT ROLE FOR MOST LENDERS<br />• SOME LENDERS STIPULATE MINIMUM ANNUAL INCOME FOR 95%<br />• BENEFICIARIES ALSO QUALIFY FOR HOME LOANS<br />• SOLO MUMS/SOLO PARENTS WITH AN INCOME ALSO QUALIFY<br />• LENDERS PREFER INCOME DERIVED IN NZ<br />• SOME LENDERS WILL CONSIDER OVERSEAS INCOME – CRITERIA IS DIFFERENT FOR THESE APPLICATIONS<br />• AT 95% LVR LENDERS NEED A CLEAN CREDIT FILE WITH LITTLE OR NO SHORT TERM DEBTS(STUDENT LOAN IS OKAY WITH SOME)<br />• SQUEAKY CLEAN ACCOUNT CONDUCT IS A MUST<br />• NO UNAUTHORISED OVERDRAFTS OR MISSED DD/APMortgage Mantrahttp://www.blogger.com/profile/13674347000250569912noreply@blogger.com0tag:blogger.com,1999:blog-2834030192867962529.post-67082894661480788492011-10-10T04:48:00.003-07:002011-10-10T04:48:36.528-07:00Types of Loan<!--[if gte mso 9]><xml>
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<b style="mso-bidi-font-weight: normal;"><u><span style="font-size: 14.0pt;"><span style="text-decoration: none;"></span>WE ARRANGE MORTGAGES & PERSONAL RISK INSURANCE</span></u></b></div>
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<br /></div>
<div class="MsoNormal">
<span style="font-size: 14.0pt;">Types of loans arranged: <b style="mso-bidi-font-weight: normal;">ANYWHERE IN NZ</b></span></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal" style="margin-left: .5in; mso-list: l0 level1 lfo1; tab-stops: list .5in; text-indent: -.25in;">
<span style="font-family: Symbol; font-size: 14.0pt; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><b style="mso-bidi-font-weight: normal;"><span style="font-size: 14.0pt;">PRIMARILY HOME LOANS</span></b><span style="font-size: 14.0pt;"> –<b style="mso-bidi-font-weight: normal;">ANYWHERE IN NZ</b></span></div>
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<br /></div>
<div class="MsoNormal" style="margin-left: .5in; mso-list: l0 level1 lfo1; tab-stops: list .5in; text-indent: -.25in;">
<span style="font-family: Symbol; font-size: 14.0pt; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><b style="mso-bidi-font-weight: normal;"><span style="font-size: 14.0pt;">FOR FIRST HOME BUYERS</span></b><span style="font-size: 14.0pt;"> – BUYING A DWELLING WITH <b style="mso-bidi-font-weight: normal;">SAVED DEPOSIT</b> – (SAVED DEPOSIT IS MINIMUM 5%)</span></div>
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<br /></div>
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<span style="font-family: Symbol; font-size: 14.0pt; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span style="font-size: 14.0pt;">BUYING YOUR FIRST
HOME OR NEXT HOME WITH A <b style="mso-bidi-font-weight: normal;">GIFTED DEPOSIT</b>
– MORE THAN 5% DEPOSIT REQUIRED IN MOST CASES OF FIRST HOME PURCHASE</span></div>
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<br /></div>
<div class="MsoNormal" style="margin-left: .5in; mso-list: l0 level1 lfo1; tab-stops: list .5in; text-indent: -.25in;">
<span style="font-family: Symbol; font-size: 14.0pt; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><b style="mso-bidi-font-weight: normal;"><span style="font-size: 14.0pt;">SHARED EQUITY</span></b><span style="font-size: 14.0pt;">
POSSIBLE FOR <b style="mso-bidi-font-weight: normal;">FIRST HOME PURCHASE</b> IF <b style="mso-bidi-font-weight: normal;">NO DEPOSIT</b> CAN BE CONTRIBUTED -CALL FOR
DETAILS</span></div>
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<br /></div>
<div class="MsoNormal" style="margin-left: .5in; mso-list: l0 level1 lfo1; tab-stops: list .5in; text-indent: -.25in;">
<span style="font-family: Symbol; font-size: 14.0pt; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><b style="mso-bidi-font-weight: normal;"><span style="font-size: 14.0pt;">SUBSEQUENT PROPERTY PURCHASES</span></b><span style="font-size: 14.0pt;"> – <b style="mso-bidi-font-weight: normal;">CAN USE
EQUITY</b> IN EXISTING PROPERTY <b style="mso-bidi-font-weight: normal;">OR A DEPOSIT
OR A GIFT OR COMBINATION OF ALL </b></span></div>
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<br /></div>
<div class="MsoNormal" style="margin-left: .5in; mso-list: l0 level1 lfo1; tab-stops: list .5in; text-indent: -.25in;">
<span style="font-family: Symbol; font-size: 14.0pt; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><b style="mso-bidi-font-weight: normal;"><span style="font-size: 14.0pt;">REFINANCE</span></b><span style="font-size: 14.0pt;">
FROM CURRENT LENDER TO A NEW LENDER IF <b style="mso-bidi-font-weight: normal;">UNHAPPY
WITH CURRENT LENDER</b></span></div>
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<br /></div>
<div class="MsoNormal" style="margin-left: .5in; mso-list: l0 level1 lfo1; tab-stops: list .5in; text-indent: -.25in;">
<span style="font-family: Symbol; font-size: 14.0pt; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span style="font-size: 14.0pt;">TOO MANY <b style="mso-bidi-font-weight: normal;">EXTERNAL DEBTS</b> -HELP <b style="mso-bidi-font-weight: normal;">CONSOLIDATE</b> OTHER DEBTS WITH HOME LOAN
TO <b style="mso-bidi-font-weight: normal;">EASE CASH-FLOW</b> & <b style="mso-bidi-font-weight: normal;">SAVE ON INTEREST COSTS</b></span></div>
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<div class="MsoNormal" style="margin-left: .5in; mso-list: l0 level1 lfo1; tab-stops: list .5in; text-indent: -.25in;">
<span style="font-family: Symbol; font-size: 14.0pt; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span style="font-size: 14.0pt;"><span style="mso-spacerun: yes;"> </span>IF YOU HAVE A <b style="mso-bidi-font-weight: normal;">SURPLUS IN YOUR BUDGETS</b>. I CAN HELP</span></div>
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<b style="mso-bidi-font-weight: normal;"><span style="font-size: 14.0pt;"><span style="mso-spacerun: yes;"> </span>RE-STRUCTURE
MORTGAGE TO PAY OFF EARLY.</span></b></div>
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<b style="mso-bidi-font-weight: normal;"><span style="font-size: 14.0pt;"><span style="mso-spacerun: yes;"> </span></span></b><span style="font-size: 14.0pt;"><span style="mso-spacerun: yes;"> </span>MAY NOT BE ABLE
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<span style="font-size: 14.0pt;"><span style="mso-spacerun: yes;"> </span>THERE IS NO SURPLUS.</span></div>
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<br /></div>
<div class="MsoNormal" style="margin-left: .5in; mso-list: l0 level1 lfo1; tab-stops: list .5in; text-indent: -.25in;">
<span style="font-family: Symbol; font-size: 14.0pt; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><b style="mso-bidi-font-weight: normal;"><span style="font-size: 14.0pt;">HOME LOANS FOR SELF-EMPLOYED</span></b><span style="font-size: 14.0pt;">-MUST HAVE AT LEAST 1 YEAR TRADING HISTORY AND A SAVED
DEPOSIT</span></div>
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<span style="font-family: Symbol; font-size: 14.0pt; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><b style="mso-bidi-font-weight: normal;"><span style="font-size: 14.0pt;">SECTION PURCHASE</span></b><span style="font-size: 14.0pt;"> – NEED AT LEAST 25% DEPOSIT</span></div>
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<br /></div>
<div class="MsoNormal" style="margin-left: .5in; mso-list: l0 level1 lfo1; tab-stops: list .5in; text-indent: -.25in;">
<span style="font-family: Symbol; font-size: 14.0pt; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><b style="mso-bidi-font-weight: normal;"><span style="font-size: 14.0pt;">CONSTRUCTION LOANS</span></b><span style="font-size: 14.0pt;"> – PROGRESSIVE DRAWDOWN BASED ON VALUATION REPORTS</span></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal" style="margin-left: .5in; mso-list: l0 level1 lfo1; tab-stops: list .5in; text-indent: -.25in;">
<span style="font-family: Symbol; font-size: 14.0pt; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span style="font-size: 14.0pt;">CAN ASSIST IN <b style="mso-bidi-font-weight: normal;">TAKEOVER OF INCOMPLETE BUILDING PROJECTS</b></span></div>
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<br /></div>
<div class="MsoNormal" style="margin-left: .5in; mso-list: l0 level1 lfo1; tab-stops: list .5in; text-indent: -.25in;">
<span style="font-family: Symbol; font-size: 14.0pt; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><b style="mso-bidi-font-weight: normal;"><span style="font-size: 14.0pt;">LOAN ARREARS</span></b><span style="font-size: 14.0pt;">
– MAY BE ABLE TO ASSIST-CALL FOR DETAILS</span></div>
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<br /></div>
<div class="MsoNormal" style="margin-left: .5in; mso-list: l0 level1 lfo1; tab-stops: list .5in; text-indent: -.25in;">
<span style="font-family: Symbol; font-size: 14.0pt; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><b style="mso-bidi-font-weight: normal;"><span style="font-size: 14.0pt;">COMMERCIAL PROPERTY PURCHASE</span></b><span style="font-size: 14.0pt;"> – ANYWHERE IN NZ</span></div>
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<br /></div>
<div class="MsoNormal" style="margin-left: .5in; mso-list: l0 level1 lfo1; tab-stops: list .5in; text-indent: -.25in;">
<span style="font-family: Symbol; font-size: 14.0pt; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><b style="mso-bidi-font-weight: normal;"><span style="font-size: 14.0pt;">BUSINESS FUNDING</span></b><span style="font-size: 14.0pt;"> – EQUIPMENT FINANCE/BUSINESS PURCHASE/WORKING CAPITAL NEEDS</span></div>
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<br /></div>
<div class="MsoNormal" style="margin-left: .5in; mso-list: l0 level1 lfo1; tab-stops: list .5in; text-indent: -.25in;">
<span style="font-family: Symbol; font-size: 14.0pt; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><b style="mso-bidi-font-weight: normal;"><span style="font-size: 14.0pt;">PERSONAL LOANS</span></b><span style="font-size: 14.0pt;">
– SECURED / UNSECURED</span></div>
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<br /></div>
<div class="MsoNormal">
<b style="mso-bidi-font-weight: normal;"><span style="font-size: 14.0pt;">LOANS OUTSIDE NORMAL LENDING CRITERIA</span></b></div>
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<br /></div>
<div class="MsoNormal">
<b style="mso-bidi-font-weight: normal;"><span style="font-size: 14.0pt;">LOANS TO CREDIT IMPAIRED – MAX
LVR 60 – 70%</span></b></div>
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<br /></div>
<div class="MsoNormal">
<b style="mso-bidi-font-weight: normal;"><span style="font-size: 14.0pt;">ANY OTHER LOANS - </span></b><span style="font-size: 14.0pt;">PLEASE TALK TO US</span></div>
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<br /></div>
<div class="MsoNormal">
<b style="mso-bidi-font-weight: normal;"><u><span style="font-size: 14.0pt;">WIDE RANGE OF PERSONAL & BUSINESS INSURANCE </span></u></b></div>
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<br /></div>
<div class="MsoNormal">
<span style="font-size: 14.0pt;">I COME TO YOUR DOOR STEP</span></div>
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<br /></div>
<div class="MsoNormal">
<span style="font-size: 14.0pt;">AAPKE KADMO TAK AATHE HAIN</span></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<br /></div>
Mortgage Mantrahttp://www.blogger.com/profile/13674347000250569912noreply@blogger.com1tag:blogger.com,1999:blog-2834030192867962529.post-78380939911587782602011-10-10T04:48:00.001-07:002011-10-10T04:48:05.430-07:00Turning Declined to Approved<!--[if gte mso 9]><xml>
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<br />
<div class="MsoNormal" style="margin-left: .25in;">
<b style="mso-bidi-font-weight: normal;"><u><span style="font-size: 11.0pt;"><span style="mso-spacerun: yes;"> </span>APPLICATION BEING DECLINED-HOW TO ADDRESS
THESE ISSUES</span></u></b></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal" style="margin-left: .5in; mso-list: l0 level1 lfo1; tab-stops: list .5in; text-indent: -.25in;">
<span style="font-family: Symbol; font-size: 8.0pt; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span style="font-size: 8.0pt;">AGE FACTORS- UNDER
AGED (BELOW 18) OR TOO OLD TO BE ABLE TO SERVICE A 25 YEAR TERM BASED ON
CURRENT PROFESSION…LENDERS SHOULD NORMALLY NOT DISCRIMINATE AGAINST OLDER AGE</span></div>
<div class="MsoNormal" style="margin-left: .5in;">
<br /></div>
<div class="MsoNormal">
<b style="mso-bidi-font-weight: normal;"><span style="font-size: 11.0pt;">ENSURE THE APPLICANT IS AT LEAST 18 AND AT THAT AGE
YOU HAVE STRONG REASONS TO INCLUDE THE YOUNG APPLICANT</span></b><span style="font-size: 11.0pt;">.</span></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<b style="mso-bidi-font-weight: normal;"><span style="font-size: 11.0pt;">AT A HIGHER AGE,ENSURE THE APPLICANT HAS A STRONG WORK
HISTORY, NO OTHER BORROWINGS AND RELIABLE INCOME GOING FORWARD</span></b></div>
<div class="MsoNormal">
<br /></div>
<ul style="margin-top: 0in;" type="disc">
<li class="MsoNormal" style="mso-list: l0 level1 lfo1; tab-stops: list .5in;"><span style="font-size: 8.0pt;">NON-RESIDENT OR OTHER VISA</span><span style="font-size: 11.0pt;"> –</span></li>
</ul>
<div class="MsoNormal">
<b style="mso-bidi-font-weight: normal;"><span style="font-size: 11.0pt;">HAVE A SUBSTANTIAL DEPOSIT ESPECIALLY IF THE VISA IS
NON-WORK RELATED</span></b><span style="font-size: 11.0pt;"></span></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal" style="margin-left: .5in; mso-list: l0 level1 lfo1; tab-stops: list .5in; text-indent: -.25in;">
<span style="font-family: Symbol; font-size: 8.0pt; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span style="font-size: 8.0pt;">DEPOSIT MAY NOT BE
SAVED FOR REQUIRED PERIOD-LUMP SUM/ONLY GIFTED DEPOSIT & NO EVIDENCE OF ANY
SAVINGS FROM APPLICANT</span></div>
<div class="MsoListParagraph">
<br /></div>
<div class="MsoNormal" style="margin-left: .5in;">
<br /></div>
<div class="MsoNormal">
<b style="mso-bidi-font-weight: normal;"><span style="font-size: 11.0pt;">KEEP DEPOSITING MONEY INTO A DEDICATED ACCOUNT
REGULARLY.</span></b></div>
<div class="MsoNormal">
<b style="mso-bidi-font-weight: normal;"><span style="font-size: 11.0pt;">IF DEPOSIT IS GIFTED,SHOULD HAVE NO EXTERNAL DEBTS,
AND SHOULD HAVE GOOD ACCOUNT CONDUCT, GOOD WORK HISTORY, CLEAN CREDIT</span></b></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal" style="margin-left: .5in; mso-list: l0 level1 lfo1; tab-stops: list .5in; text-indent: -.25in;">
<span style="font-family: Symbol; font-size: 8.0pt; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span style="font-size: 8.0pt;">SOURCE OF DEPOSIT
NOT EXPLAINED SATISFACTORILY-NO PAPER TRAIL</span></div>
<div class="MsoNormal" style="margin-left: .5in;">
<br /></div>
<div class="MsoNormal">
<b style="mso-bidi-font-weight: normal;"><span style="font-size: 11.0pt;">FILE STATEMENTS REGULARLY,IF OVERSEAS SOURCE OF FUNDS
– GET PAPERWORK ORGANISED IN ADVANCE,IF GIFTED – GET A GIFT DEED COMPLETED</span></b></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal" style="margin-left: .5in; mso-list: l0 level1 lfo1; tab-stops: list .5in; text-indent: -.25in;">
<span style="font-family: Symbol; font-size: 8.0pt; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span style="font-size: 8.0pt;">FREQUENT CHANGE OF
EMPLOYMENT W/OUT VALID REASONS</span></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<b style="mso-bidi-font-weight: normal;"><span style="font-size: 11.0pt;">TRY NOT TO CHANGE JOBS – ESPECIALLY CHANGE OF
CAREER-UNLESS YOU ARE GOING BACK TO A CAREER YOU HAVE BEEN IN EARLIER</span></b></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal" style="margin-left: .5in; mso-list: l0 level1 lfo1; tab-stops: list .5in; text-indent: -.25in;">
<span style="font-family: Symbol; font-size: 8.0pt; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span style="font-size: 8.0pt;">FREQUENT CHANGE OF
RESIDENTIAL ADDRESS</span></div>
<div class="MsoNormal" style="margin-left: .5in;">
<br /></div>
<div class="MsoNormal">
<b style="mso-bidi-font-weight: normal;"><span style="font-size: 11.0pt;">YOU NEED REALLY SOUND REASONS FOR THIS – NOT JUST
UNHAPPY WITH THE LANDLORD OR THE NEIGHBORS</span></b></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal" style="margin-left: .5in; mso-list: l0 level1 lfo1; tab-stops: list .5in; text-indent: -.25in;">
<span style="font-family: Symbol; font-size: 8.0pt; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span style="font-size: 8.0pt;">INCOME IS
EXTREMELY IRREGULAR- IRREGULAR DEPOSITS TO A/C</span></div>
<div class="MsoNormal" style="margin-left: .5in;">
<br /></div>
<div class="MsoNormal">
<b style="mso-bidi-font-weight: normal;"><span style="font-size: 11.0pt;">ENSURE ALL INCOME COMES INTO YOUR ACCOUNT
REGULARLY-EVEN IF YOU ARE PAID BY CASH BY YOUR EMPLOYER</span></b></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal" style="margin-left: .5in; mso-list: l0 level1 lfo1; tab-stops: list .5in; text-indent: -.25in;">
<span style="font-family: Symbol; font-size: 8.0pt; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span style="font-size: 8.0pt;">SOURCE OF INCOME
NOT CONFIRMED OR UNACCEPTABLE TO LENDER</span></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<b style="mso-bidi-font-weight: normal;"><span style="font-size: 11.0pt;">ASK EMPLOYER FOR A LETTER CONFIRMING INCOME,ASK FOR A
PAY SLIP</span></b></div>
<ul style="margin-top: 0in;" type="disc">
<li class="MsoNormal" style="mso-list: l0 level1 lfo1; tab-stops: list .5in;"><span style="font-size: 11.0pt;">IN CURRENT EMPLOYMENT ROLE FOR BRIEF PERIOD WITH
NO PRIOR WORK HISTORY EITHER IN NZ OR OVERSEAS</span></li>
</ul>
<div class="MsoNormal" style="margin-left: .5in;">
<br /></div>
<div class="MsoNormal">
<b style="mso-bidi-font-weight: normal;"><span style="font-size: 11.0pt;">YOU NEED TO BE IN A VERY GOOD PROFESSION WITH GOOD
SKILL SETS AND GOOD EARNINGS,NO BORROWINGS AND A DEPOSIT THAT HAS BEEN SAVED</span></b></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal" style="margin-left: .5in; mso-list: l0 level1 lfo1; tab-stops: list .5in; text-indent: -.25in;">
<span style="font-family: Symbol; font-size: 8.0pt; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span style="font-size: 8.0pt;">INSUFFICIENT
INCOME FOR AMOUNT REQUIRED AS ON APPLICATION</span></div>
<div class="MsoNormal" style="margin-left: .5in;">
<br /></div>
<div class="MsoNormal">
<b style="mso-bidi-font-weight: normal;"><span style="font-size: 11.0pt;">DO YOUR HOME-WORK FIRST-CAN YOU AFFORD THE REPAYMENTS
FOR THE LOAN THAT YOU ARE SEEKING…ARE THERE OTHER BORROWINGS THAT ARE AFFECTING
YOUR REPAYING ABILITY?</span></b></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal" style="margin-left: .5in; mso-list: l0 level1 lfo1; tab-stops: list .5in; text-indent: -.25in;">
<span style="font-family: Symbol; font-size: 8.0pt; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span style="font-size: 8.0pt;">TOO MANY EXTERNAL
BORROWINGS – HP’S, CREDIT CARDS/S, PERSONAL LOAN/S, DEFERRED INSTALMENT PLANS…</span></div>
<div class="MsoNormal" style="margin-left: .5in;">
<br /></div>
<div class="MsoNormal">
<b style="mso-bidi-font-weight: normal;"><span style="font-size: 11.0pt;">YOU HAVE BEEN LIVING IN A WORLD OF DREAMS.DO NOT
BORROW UNLESS YOU ABSOLUTELY NEED SOMETHING…..WANTS VERSUS NEEDS? ANALYSE.
BORROW SMALLER AMOUNTS OVER SHORTER PERIODS</span></b></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal" style="margin-left: .5in; mso-list: l0 level1 lfo1; tab-stops: list .5in; text-indent: -.25in;">
<span style="font-family: Symbol; font-size: 8.0pt; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span style="font-size: 8.0pt;">BANK ACCOUNT
CONDUCT NOT ACCEPTABLE (REFER TIPS OF LAST WEEK)</span></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal" style="margin-left: .5in; mso-list: l0 level1 lfo1; tab-stops: list .5in; text-indent: -.25in;">
<span style="font-family: Symbol; font-size: 8.0pt; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span style="font-size: 8.0pt;">A/P’S & D/D’S
REVERSED WITHOUT STRONG REASONING</span></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<b style="mso-bidi-font-weight: normal;"><span style="font-size: 11.0pt;">YOU NEED TO MONITOR YOUR BANK TRANSACTIONS &
BALANCES DAILY- ENSURE A/P’S & D/D’S ARE LOADED FOR DATES WHEN YOU HAVE
SUFFICIENT BALANCE IN THE ACCOUNT-VERY OFTEN THESE DATES MISS SALARY DATES BY A
DAY OR TWO-ASK FOR A REVISED PAYMENT DATE</span></b></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal" style="margin-left: .5in; mso-list: l0 level1 lfo1; tab-stops: list .5in; text-indent: -.25in;">
<span style="font-family: Symbol; font-size: 8.0pt; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span style="font-size: 8.0pt;">INFO DISCLOSED IS
INCORRECT / INCOMPLETE – APPLICATION COULD EARLIER HAVE GONE TO SAME LENDER
WITH DIFFERING INFORMATION.</span></div>
<div class="MsoNormal" style="margin-left: .5in; mso-list: l0 level1 lfo1; tab-stops: list .5in; text-indent: -.25in;">
<span style="font-family: Symbol; font-size: 8.0pt; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span style="font-size: 8.0pt;">NON-DISCLOSURE OF
INFO IS QUITE SERIOUSLY VIEWED</span></div>
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<span style="font-family: Symbol; font-size: 8.0pt; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span style="font-size: 8.0pt;">BAYCORP HISTORY
NOT GOOD ENOUGH-</span></div>
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<br /></div>
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<b style="mso-bidi-font-weight: normal;"><span style="font-size: 11.0pt;">DO NOT GUARANTEE/BORROWUNLESS NECESSARY</span></b><span style="font-size: 11.0pt;">-<b style="mso-bidi-font-weight: normal;">IF YOU ARE
AWARE OF A DEFAULT,DECLARE IN ADVANCE, HAVE GOOD REASONS FOR THE DEFAULT</b></span></div>
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<ul style="margin-top: 0in;" type="disc">
<li class="MsoNormal" style="mso-list: l0 level1 lfo1; tab-stops: list .5in;"><span style="font-size: 11.0pt;">INSUFFICIENT TRADING PERIOD FOR SELF-EMPLOYED-<b style="mso-bidi-font-weight: normal;">HIGHER DEPOSIT</b></span></li>
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<li class="MsoNormal" style="mso-list: l0 level1 lfo1; tab-stops: list .5in;"><span style="font-size: 11.0pt;">WRONGLY ASSESSED BY LENDER-<b style="mso-bidi-font-weight: normal;">POINT OUT ERRORS IN ASSESMENT AND USE THE SERVICES OF AN
EXPERIENCED MORTGAGE ADVISOR – THINK MORTGAGE MANTRA</b></span></li>
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<br /></div>
<ul style="margin-top: 0in;" type="disc">
<li class="MsoNormal" style="mso-list: l0 level1 lfo1; tab-stops: list .5in;"><span style="font-size: 11.0pt;">PROPERTY NOT ACCEPTABLE TO LENDER – <b style="mso-bidi-font-weight: normal;">LISTEN TO LENDER AND QUERY REASONS –
LENDER MAY BE CORRECT AND SAVING YOU FROM A POTENTIAL SITUATION</b></span></li>
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<br /></div>
<ul style="margin-top: 0in;" type="disc">
<li class="MsoNormal" style="mso-list: l0 level1 lfo1; tab-stops: list .5in;"><span style="font-size: 11.0pt;">IF REFINANCING – HAS MISSED REPAYMENTS ON HOME
LOAN TO PREVIOUS LENDER IN THE LAST 6 – 12 MONTHS</span></li>
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<br /></div>
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<b style="mso-bidi-font-weight: normal;">WHY HAVE YOU MISSED
PAYMENTS? YOU KNOW BEST.EXPLAIN REASONS AND BACK UP WITH DOCUMENTED EVIDENCE</b></div>
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<br /></div>
<div class="MsoNormal">
<b style="mso-bidi-font-weight: normal;"><u>09.08.2010</u></b></div>
<div class="MsoNormal">
<br /></div>
Mortgage Mantrahttp://www.blogger.com/profile/13674347000250569912noreply@blogger.com0tag:blogger.com,1999:blog-2834030192867962529.post-36002146456120149842011-10-10T04:47:00.000-07:002011-10-10T04:47:27.252-07:00Pre-approval Process for Home Loan<!--[if gte mso 9]><xml>
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<span style="font-size: small;"><b><u><span style="font-family: "Arial","sans-serif"; line-height: 115%;">THE LOAN
APPROVAL OR PRE-APPROVAL PROCESS-1<sup>st</sup> steps</span></u></b></span></div>
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<span style="font-size: small;"><b><u><span style="font-family: "Arial","sans-serif"; line-height: 115%;"><br /></span></u></b></span></div>
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<span style="font-size: small;"><b><span style="font-family: "Arial","sans-serif"; line-height: 115%;">APPLICATION
IS COMPLETED, SIGNED AND SUBMITTED FOR ALL APPLICANTS WITH SUPPORTING PAPERSincluding-</span></b></span></div>
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<br /></div>
<ul>
<li><span style="font-size: small;"><span style="font-family: Symbol; line-height: 115%;"><span><span style="-moz-font-feature-settings: normal; -moz-font-language-override: normal; font-family: "Times New Roman"; font-size-adjust: none; font-stretch: normal; font-style: normal; font-variant: normal; font-weight: normal; line-height: normal;"></span></span></span><b><span style="font-family: "Arial","sans-serif"; line-height: 115%;">EVIDENCE
OF INCOME - PAY SLIPS OR FINANCIALS IF IN BUSINESS</span></b></span><span style="font-size: small;"><b><span style="font-family: "Arial","sans-serif"; line-height: 115%;"></span></b></span><span style="font-size: small;"><b><span style="font-family: "Arial","sans-serif"; line-height: 115%;"></span></b></span><span style="font-size: small;"><span style="font-family: Symbol; line-height: 115%;"></span></span></li>
<li><span style="font-size: small;"><span style="font-family: Symbol; line-height: 115%;"><span></span></span><b><span style="font-family: "Arial","sans-serif"; line-height: 115%;">CURRENT
3 MONTHS BANK STATEMENTS FOR ALL APPLICANTS FOR ALL BANK ACCOUNTS OPERATED</span></b></span><span style="font-size: small;"><b><span style="font-family: "Arial","sans-serif"; line-height: 115%;"></span></b></span><span style="font-size: small;"><b><span style="font-family: "Arial","sans-serif"; line-height: 115%;"> </span></b></span></li>
<li><span style="font-size: small;"><b><span style="font-family: "Arial","sans-serif"; line-height: 115%;">EVIDENCE
OF DEPOSIT SAVED(LOCAL OR OVERSEAS ACCOUNTS)WHETHER<span> </span>BUYING FOR THE FIRST TIME OR OTHERWISE OR <span> </span>DETAILS OF EQUITY IN EXISTING PROPERTY HELD BY
APPLICANTS</span></b></span><span style="font-size: small;"><span style="font-family: Symbol; line-height: 115%;"><span></span></span></span></li>
<li><span style="font-size: small;"><span style="font-family: Symbol; line-height: 115%;"><span><span style="-moz-font-feature-settings: normal; -moz-font-language-override: normal; font-family: "Times New Roman"; font-size-adjust: none; font-stretch: normal; font-style: normal; font-variant: normal; font-weight: normal; line-height: normal;"></span></span></span><b><span style="font-family: "Arial","sans-serif"; line-height: 115%;">EVIDENCE
OF RESIDENCY OR CITIZENSHIP /PHOTO<span> </span>ID
FOR ALL APPLICANTS</span></b></span><span style="font-size: small;"><span style="font-family: Symbol; line-height: 115%;"><span></span></span></span></li>
<li><span style="font-size: small;"><span style="font-family: Symbol; line-height: 115%;"><span><span style="-moz-font-feature-settings: normal; -moz-font-language-override: normal; font-family: "Times New Roman"; font-size-adjust: none; font-stretch: normal; font-style: normal; font-variant: normal; font-weight: normal; line-height: normal;"></span></span></span><b><span style="font-family: "Arial","sans-serif"; line-height: 115%;">PRE-APPROVAL
IS NORMALLY RECEIVED WITHIN 48-72 <span> </span>HOURS <span> </span>OR 2 – 3 WORKING DAYS NORMALLY</span></b></span></li>
</ul>
<div style="-moz-border-bottom-colors: none; -moz-border-image: none; -moz-border-left-colors: none; -moz-border-right-colors: none; -moz-border-top-colors: none; border-color: -moz-use-text-color -moz-use-text-color windowtext; border-style: none none solid; border-width: medium medium 1.5pt; margin-left: 0.25in; margin-right: 0in; padding: 0in 0in 1pt;">
</div>
<div class="MsoListParagraphCxSpLast">
<br /></div>
<div class="MsoNormal">
<span style="font-size: small;"><b><u><span style="font-family: "Arial","sans-serif"; line-height: 115%;"><br /></span></u></b><b><span style="font-family: "Arial","sans-serif"; line-height: 115%;"></span></b></span></div>
<div class="MsoListParagraphCxSpFirst" style="text-indent: -0.25in;">
<span style="font-size: small;"><span style="font-family: Symbol; line-height: 115%;"><span>·<span style="-moz-font-feature-settings: normal; -moz-font-language-override: normal; font-family: "Times New Roman"; font-size-adjust: none; font-stretch: normal; font-style: normal; font-variant: normal; font-weight: normal; line-height: normal;">
</span></span></span><b><span style="font-family: "Arial","sans-serif"; line-height: 115%;">THE APPROVAL
OR PRE-APPROVAL LETTER NORMALLY OUTLINES TERM OF MORTGAGE (NUMBER OF YEARS),
INDICATIVE INTEREST RATES, INDICATIVE REPAYMENTS (DIFFERENT LENDERS SEND
DIFFERENTLY STRUCTURED OFFER LETTERS) & IS NORMALLY WITH CONDITIONS – WHAT
ARE THE CONDITIONS?</span></b></span></div>
<div class="MsoListParagraphCxSpMiddle">
<br /></div>
<div class="MsoListParagraphCxSpMiddle" style="text-indent: -0.25in;">
<span style="font-size: small;"><span style="font-family: Symbol; line-height: 115%;"><span>·<span style="-moz-font-feature-settings: normal; -moz-font-language-override: normal; font-family: "Times New Roman"; font-size-adjust: none; font-stretch: normal; font-style: normal; font-variant: normal; font-weight: normal; line-height: normal;">
</span></span></span><b><span style="font-family: "Arial","sans-serif"; line-height: 115%;">FURTHER
EVIDENCE OF DEPOSIT (ESPECIALLY IF TRANSFERRING FROM OVERSEAS)</span></b></span></div>
<div class="MsoListParagraphCxSpMiddle">
<br /></div>
<div class="MsoListParagraphCxSpMiddle" style="text-indent: -0.25in;">
<span style="font-size: small;"><span style="font-family: Symbol; line-height: 115%;"><span>·<span style="-moz-font-feature-settings: normal; -moz-font-language-override: normal; font-family: "Times New Roman"; font-size-adjust: none; font-stretch: normal; font-style: normal; font-variant: normal; font-weight: normal; line-height: normal;">
</span></span></span><b><span style="font-family: "Arial","sans-serif"; line-height: 115%;">FURTHER
EVIDENCE OF INCOME </span></b></span></div>
<div class="MsoListParagraphCxSpMiddle">
<br /></div>
<div class="MsoListParagraphCxSpMiddle" style="text-indent: -0.25in;">
<span style="font-size: small;"><span style="font-family: Symbol; line-height: 115%;"><span>·<span style="-moz-font-feature-settings: normal; -moz-font-language-override: normal; font-family: "Times New Roman"; font-size-adjust: none; font-stretch: normal; font-style: normal; font-variant: normal; font-weight: normal; line-height: normal;">
</span></span></span><b><span style="font-family: "Arial","sans-serif"; line-height: 115%;">FURTHER
EVIDENCE OF <span> </span>BANK STATEMENTS- MAY BE
MISSING SOME INFORMATION OR ENTRIES ON THE BANK STATEMENT NEEDING
CLARIFICATIONS</span></b></span></div>
<div class="MsoListParagraphCxSpMiddle">
<br /></div>
<div class="MsoListParagraphCxSpMiddle" style="text-indent: -0.25in;">
<span style="font-size: small;"><span style="font-family: Symbol; line-height: 115%;"><span>·<span style="-moz-font-feature-settings: normal; -moz-font-language-override: normal; font-family: "Times New Roman"; font-size-adjust: none; font-stretch: normal; font-style: normal; font-variant: normal; font-weight: normal; line-height: normal;">
</span></span></span><b><span style="font-family: "Arial","sans-serif"; line-height: 115%;">SALE
& PURCHASE AGREEMENT ,6 MONTHS LOAN STATEMENTS IF REFINANCING</span></b></span></div>
<div class="MsoListParagraphCxSpMiddle">
<br /></div>
<div class="MsoListParagraphCxSpMiddle" style="text-indent: -0.25in;">
<span style="font-size: small;"><span style="font-family: Symbol; line-height: 115%;"><span>·<span style="-moz-font-feature-settings: normal; -moz-font-language-override: normal; font-family: "Times New Roman"; font-size-adjust: none; font-stretch: normal; font-style: normal; font-variant: normal; font-weight: normal; line-height: normal;">
</span></span></span><b><span style="font-family: "Arial","sans-serif"; line-height: 115%;">SOME
LENDERS ASK FOR A BUILDING INSPECTION REPORT IF THE PROPERTY HAS BEEN BUILT
DURING A CERTAIN PERIOD (LEAKY BUILDING?)</span></b></span></div>
<div class="MsoListParagraphCxSpMiddle">
<br /></div>
<div class="MsoListParagraphCxSpMiddle" style="text-indent: -0.25in;">
<span style="font-size: small;"><span style="font-family: Symbol; line-height: 115%;"><span>·<span style="-moz-font-feature-settings: normal; -moz-font-language-override: normal; font-family: "Times New Roman"; font-size-adjust: none; font-stretch: normal; font-style: normal; font-variant: normal; font-weight: normal; line-height: normal;">
</span></span></span><b><span style="font-family: "Arial","sans-serif"; line-height: 115%;">REGISTERED
VALUATION IF USING EQUITY TO FUND NEXT PROPERTY PURCHASE OR IF PURCHASING
THROUGH PRIVATE TREATY AND POSSIBLY REGISTERED VALUATION ON THE NEW PROPERTY
BEING PURCHASED</span></b></span></div>
<div class="MsoListParagraphCxSpMiddle">
<br /></div>
<div class="MsoListParagraphCxSpMiddle" style="text-indent: -0.25in;">
<span style="font-size: small;"><span style="font-family: Symbol; line-height: 115%;"><span>·<span style="-moz-font-feature-settings: normal; -moz-font-language-override: normal; font-family: "Times New Roman"; font-size-adjust: none; font-stretch: normal; font-style: normal; font-variant: normal; font-weight: normal; line-height: normal;">
</span></span></span><b><span style="font-family: "Arial","sans-serif"; line-height: 115%;">POSSIBLE
UPPER LIMIT ON MORTGAGE TERM</span></b></span></div>
<span style="font-size: small;"><b><u><span style="font-family: "Arial","sans-serif"; line-height: 115%;"><span style="text-decoration: none;"> </span></span></u></b></span><span style="font-size: small;"><span style="font-family: "Arial","sans-serif"; line-height: 115%;"> </span></span><br />
<span style="font-size: small;"><span style="font-family: "Arial","sans-serif"; line-height: 115%;">WE HAVE BRIEFLY TALKED ABOUT THE
APPLICATION, DETAILS OF DOX REQUIRED FOR AN APPROVAL/PREAPPROVAL. WE HAVE YESTERDAY
TALKED OF THE CONDITIONS A BANK MAY PUT DOWN ON AN OFFER LETTER</span><span style="font-family: "Arial","sans-serif"; line-height: 115%;">.</span></span><br />
<br />
<br /><div class="MsoListParagraphCxSpMiddle" style="text-indent: -0.25in;">
<span style="font-size: small;"><span style="font-family: Symbol; line-height: 115%;"><span><span style="-moz-font-feature-settings: normal; -moz-font-language-override: normal; font-family: "Times New Roman"; font-size-adjust: none; font-stretch: normal; font-style: normal; font-variant: normal; font-weight: normal; line-height: normal;"></span></span></span><span style="font-family: "Arial","sans-serif"; line-height: 115%;">YOU MUST FULLY UNDERSTAND THE CONDITIONS AND FINANCIAL
IMPLICATIONS OF THE PRE-APPROVAL:</span></span></div>
<div class="MsoListParagraphCxSpMiddle">
<br /></div>
<div class="MsoListParagraphCxSpMiddle" style="text-indent: -0.25in;">
<span style="font-size: small;"><span style="font-family: Symbol; line-height: 115%;"><span>·<span style="-moz-font-feature-settings: normal; -moz-font-language-override: normal; font-family: "Times New Roman"; font-size-adjust: none; font-stretch: normal; font-style: normal; font-variant: normal; font-weight: normal; line-height: normal;">
</span></span></span><span style="font-family: "Arial","sans-serif"; line-height: 115%;">WHAT IS THE LOAN AMOUNT APPROVED-DOES IT
MATCH YOUR NEEDS- IS IT WHAT YOU WERE PREPARING FOR? OR IS IT LESS THAN WHAT
YOU WERE EXPECTING.</span></span></div>
<div class="MsoListParagraphCxSpMiddle">
<br /></div>
<div class="MsoListParagraphCxSpMiddle" style="text-indent: -0.25in;">
<span style="font-size: small;"><span style="font-family: Symbol; line-height: 115%;"><span>·<span style="-moz-font-feature-settings: normal; -moz-font-language-override: normal; font-family: "Times New Roman"; font-size-adjust: none; font-stretch: normal; font-style: normal; font-variant: normal; font-weight: normal; line-height: normal;">
</span></span></span><span style="font-family: "Arial","sans-serif"; line-height: 115%;">WHAT IS THE LOAN TERM-ARE YOU COMFORTABLE-
THE LONGER THE MORTGAGE TERM, THE MORE INTEREST U END UP PAY ING THE LENDER.</span></span></div>
<div class="MsoListParagraphCxSpMiddle">
<br /></div>
<div class="MsoListParagraphCxSpMiddle" style="text-indent: -0.25in;">
<span style="font-size: small;"><span style="font-family: Symbol; line-height: 115%;"><span>·<span style="-moz-font-feature-settings: normal; -moz-font-language-override: normal; font-family: "Times New Roman"; font-size-adjust: none; font-stretch: normal; font-style: normal; font-variant: normal; font-weight: normal; line-height: normal;">
</span></span></span><span style="font-family: "Arial","sans-serif"; line-height: 115%;">THE SHORTER THE MORTGAGE TERM, YOU PAY MORE
ON REGULAR INSTALMENTS – BUT YOU SAVE ON INTEREST COSTS.YOU COULD SAVE
THOUSANDS OF $$$.</span></span></div>
<div class="MsoListParagraphCxSpMiddle">
<br /></div>
<div class="MsoListParagraphCxSpMiddle" style="text-indent: -0.25in;">
<span style="font-size: small;"><span style="font-family: Symbol; line-height: 115%;"><span>·<span style="-moz-font-feature-settings: normal; -moz-font-language-override: normal; font-family: "Times New Roman"; font-size-adjust: none; font-stretch: normal; font-style: normal; font-variant: normal; font-weight: normal; line-height: normal;">
</span></span></span><span style="font-family: "Arial","sans-serif"; line-height: 115%;">WHAT ARE REPAYMENTS BASED ON THE CURRENT
INTEREST RATE& MORTGAGE TERM? REMEMBER TODAY’S INTEREST RATES ARE LOW AND
REPAYMENTS WILL ALSO BE LOWER.INTEREST RATES ARE BOUND TO INCREASE AT SOME
STAGE AND THEREFORE YOUR MORTGAGE INSTALMENT WILL ALSO INCREASE.</span></span></div>
<div class="MsoListParagraphCxSpMiddle">
<br /></div>
<div class="MsoListParagraphCxSpMiddle" style="text-indent: -0.25in;">
<span style="font-size: small;"><span style="font-family: Symbol; line-height: 115%;"><span>·<span style="-moz-font-feature-settings: normal; -moz-font-language-override: normal; font-family: "Times New Roman"; font-size-adjust: none; font-stretch: normal; font-style: normal; font-variant: normal; font-weight: normal; line-height: normal;">
</span></span></span><span style="font-family: "Arial","sans-serif"; line-height: 115%;">CAN YOU AFFORD REPAYMENTS BASED ON THE
CURRENT INTEREST RATE AND THE TERM CHOSEN</span></span></div>
<div class="MsoListParagraphCxSpMiddle">
<br /></div>
<div class="MsoListParagraphCxSpMiddle">
<br /></div>
<div class="MsoListParagraphCxSpMiddle" style="text-indent: -0.25in;">
<span style="font-size: small;"><span style="font-family: Symbol; line-height: 115%;"><span>·<span style="-moz-font-feature-settings: normal; -moz-font-language-override: normal; font-family: "Times New Roman"; font-size-adjust: none; font-stretch: normal; font-style: normal; font-variant: normal; font-weight: normal; line-height: normal;">
</span></span></span><span style="font-family: "Arial","sans-serif"; line-height: 115%;">WHAT WILL REPAYMENTS BASED ON HIGHER INTEREST
RATES BE IN FUTURE (CALCULATE AT 9 – 10% JUST TO CHECK YOUR BUDGET CAN WITHSTAND
THE REPAYMENTS). THERE SHOULD NOT BE ANY ROOM FOR A SHOCK LATER WHEN INTEREST
RATES ARE HIGHER THAN TODAY’S INTEREST RATE.</span></span></div>
<div class="MsoListParagraphCxSpMiddle">
<br /></div>
<div class="MsoListParagraphCxSpMiddle">
<br /></div>
<div class="MsoListParagraphCxSpMiddle" style="text-indent: -0.25in;">
<span style="font-size: small;"><span style="font-family: Symbol; line-height: 115%;"><span>·<span style="-moz-font-feature-settings: normal; -moz-font-language-override: normal; font-family: "Times New Roman"; font-size-adjust: none; font-stretch: normal; font-style: normal; font-variant: normal; font-weight: normal; line-height: normal;">
</span></span></span><span style="font-family: "Arial","sans-serif"; line-height: 115%;">CAN YOU AFFORD REPAYMENTS ON THE HIGHER
INTEREST RATE LATER ON</span></span></div>
<div class="MsoListParagraphCxSpMiddle">
<br /></div>
<div class="MsoListParagraphCxSpLast">
<span style="font-size: small;"><span style="font-family: "Arial","sans-serif"; line-height: 115%;">DO YOU HAVE ANY MONEY LEFT OVER IN THE
HOUSEHOLD BUDGET AFTER MEETING ALL EXPENSES/COMMITMENTS AND THE MORTGAGE
REPAYMENT</span></span></div>
<div class="MsoNormal">
<span style="font-size: small;"><span style="font-family: "Arial","sans-serif"; line-height: 115%;">IF YOU HAVE ANSWERED NO TO THE SAVINGS QUESTION – YOU
NEED TO BORROW LESSER</span></span></div>
<div style="-moz-border-bottom-colors: none; -moz-border-image: none; -moz-border-left-colors: none; -moz-border-right-colors: none; -moz-border-top-colors: none; border-color: -moz-use-text-color -moz-use-text-color windowtext; border-style: none none solid; border-width: medium medium 1.5pt; padding: 0in 0in 1pt;">
<div class="MsoNormal" style="border: medium none; padding: 0in;">
<span style="font-size: small;"><span style="font-family: "Arial","sans-serif"; line-height: 115%;">IF YOU HAVE ANSWERED YES – YOU
COULD START PLANNING FOR THE PROPERTY PURCHASE AND START LOOKING FOR A SUITABLE
PROPERTY.</span></span></div>
</div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<span style="font-size: small;"><b><u><span style="font-family: "Arial","sans-serif"; line-height: 115%;">23.08.2011</span></u></b></span></div>
<div class="MsoNormal">
<span style="font-size: small;"><b><span style="font-family: "Arial","sans-serif"; line-height: 115%;">AFTER
YOU HAVE DRAWN DOWN THE HOME LOANAND BEGINNING TO SETTLE DOWN IN THE NEW HOME.DO
YOU NEED TO BORROW AGAIN AFTER THE PURCHASE HAS SETTLED?</span></b></span></div>
<div class="MsoListParagraphCxSpFirst" style="text-indent: -0.25in;">
<span style="font-size: small;"><span style="font-family: Symbol; line-height: 115%;"><span>·<span style="-moz-font-feature-settings: normal; -moz-font-language-override: normal; font-family: "Times New Roman"; font-size-adjust: none; font-stretch: normal; font-style: normal; font-variant: normal; font-weight: normal; line-height: normal;">
</span></span></span><b><span style="font-family: "Arial","sans-serif"; line-height: 115%;">TO
FURNISH THE HOUSE – NEW FURNITURE,CURTAINS,CARPETS& NEW APPLIANCES</span></b></span></div>
<div class="MsoListParagraphCxSpMiddle" style="text-indent: -0.25in;">
<span style="font-size: small;"><span style="font-family: Symbol; line-height: 115%;"><span>·<span style="-moz-font-feature-settings: normal; -moz-font-language-override: normal; font-family: "Times New Roman"; font-size-adjust: none; font-stretch: normal; font-style: normal; font-variant: normal; font-weight: normal; line-height: normal;">
</span></span></span><b><span style="font-family: "Arial","sans-serif"; line-height: 115%;">TO
UPGRADE FACILITIES– RENOVATIONS OF KITCHEN OR BATHROOMS OR ADDITIONS TO THE
DWELLING-like a deck</span></b></span></div>
<div class="MsoListParagraphCxSpMiddle" style="text-indent: -0.25in;">
<span style="font-size: small;"><span style="font-family: Symbol; line-height: 115%;"><span>·<span style="-moz-font-feature-settings: normal; -moz-font-language-override: normal; font-family: "Times New Roman"; font-size-adjust: none; font-stretch: normal; font-style: normal; font-variant: normal; font-weight: normal; line-height: normal;">
</span></span></span><b><span style="font-family: "Arial","sans-serif"; line-height: 115%;">TO
REPAY OTHER DEBTS YOU HAVE TAKEN IN THE INTERIM AFTER THE PREAPPROVAL</span></b></span></div>
<div class="MsoListParagraphCxSpLast" style="text-indent: -0.25in;">
<span style="font-size: small;"><span style="font-family: Symbol; line-height: 115%;"><span>·<span style="-moz-font-feature-settings: normal; -moz-font-language-override: normal; font-family: "Times New Roman"; font-size-adjust: none; font-stretch: normal; font-style: normal; font-variant: normal; font-weight: normal; line-height: normal;">
</span></span></span><b><span style="font-family: "Arial","sans-serif"; line-height: 115%;">TO
TRAVEL PERHAPS…TO VISIT FAMILY</span></b></span></div>
<div class="MsoNormal">
<span style="font-size: small;"><b><span style="font-family: "Arial","sans-serif"; line-height: 115%;">IF YOUR
ANSWER IS YES….YOUR PLANNING HAS NOT BEEN CORRECT <u>OR</u> YOU HAVE IGNORED
THESE EXPENSES THINKING YOU CAN MANAGE WITH WHAT YOU HAVE</span></b></span></div>
<div class="MsoNormal">
<span style="font-size: small;"><b><span style="font-family: "Arial","sans-serif"; line-height: 115%;">IF YOUR
ANSWER IS YES….YOU NEED TO BORROW LESSER OR KEEP SOME MONEY ASIDE FOR THESE
EXPENSES -CONSIDER OTHER OPTIONS AVAILABLE TO YOU TO FUND THESE EXPENSES OR
DELAY THE SPEND ON THESE. </span></b></span></div>
<div class="MsoNormal">
<span style="font-size: small;"><b><span style="font-family: "Arial","sans-serif"; line-height: 115%;">PERHAPS
BUDGET FOR THESE EXPENSES BEFORE YOU CONSIDER BUYING <u>OR</u> COMPLETE THESE
PURCHASES BEFORE BUYING THE PROPERTY</span></b></span></div>
<div class="MsoNormal">
<span style="font-size: small;"><b><span style="font-family: "Arial","sans-serif"; line-height: 115%;">IF
YOU ARE REPAYING HUGE DEBTS…YOU NEED TO REPAY DEBTS FIRST BEFORE CONSIDERING
BUYING</span></b></span></div>
<div class="MsoNormal">
<span style="font-size: small;"><b><span style="font-family: "Arial","sans-serif"; line-height: 115%;">OR
GET SOME FINANCIAL ASSISTANCE FROM FAMILY</span></b></span></div>
<div class="MsoNormal">
<span style="font-size: small;"><b><u><span style="font-family: "Arial","sans-serif"; line-height: 115%;">THE
LOAN PRE-APPROVAL PROCESS IS A DEFINITE GUIDE FOR YOUR CURRENT AND FUTURE
BUDGETS</span></u></b></span></div>
<div class="MsoNormal">
<span style="font-size: small;"><u><span style="font-family: "Arial","sans-serif"; line-height: 115%;">16.08.2010WITH SATEND,16.08.2011&
18.08.2011 WITH NEHA</span></u></span></div>
<div class="MsoNormal">
<br /></div>
<div style="line-height: 18pt; margin: 0in 0in 0.25in;">
<span style="font-size: small;"><b><u><span style="background: none repeat scroll 0% 0% white; color: #333333; font-family: "Cambria","serif";">24.08.2011-NEHA</span></u></b></span></div>
<div style="line-height: 18pt; margin: 0in 0in 0.25in;">
<span style="font-size: small;"><u><span style="background: none repeat scroll 0% 0% white;">HOW MUCH
SHOULD ONE IDEALLY BORROW FOR THE HOME LOAN?</span></u></span></div>
<div style="line-height: 18pt; margin: 0in 0in 0.25in;">
<span style="font-size: small;"><span style="background: none repeat scroll 0% 0% white;">This is
your affordability.</span></span></div>
<div style="line-height: 18pt; margin: 0in 0in 0.25in;">
<span style="font-size: small;"><span style="background: none repeat scroll 0% 0% white;">THIS CAN BE
TRICKY FOR A FIRST-TIME BUYER BUT THE ANSWER IS NORMALLY <b><u>STRAIGHTFORWARD FOR THOSE WITH A BUDGET</u></b>.</span></span></div>
<div style="line-height: 18pt; margin: 0in 0in 0.25in;">
<span style="font-size: small;"><span style="background: none repeat scroll 0% 0% white;">HOW MUCH
RENT ARE YOU CURRENTLY PAYING EVERY WEEK?</span></span></div>
<div style="line-height: 18pt; margin: 0in 0in 0.25in;">
<span style="font-size: small;"><span style="background: none repeat scroll 0% 0% white;">IS THE LOAN
APPLICATION A JOINT APPLICATION? IF YES, HOW MANY INCOMES WILL SERVICE THE
LOAN? WHAT IS THE NET WEEKLY INCOME FROM ALL SOURCES?ARE THE INCOMES PERMANENT
OR TEMPORARY?(JOB PERMAMENT?)</span></span></div>
<div style="line-height: 18pt; margin: 0in 0in 0.25in;">
<span style="font-size: small;"><span style="background: none repeat scroll 0% 0% white;">HOW MANY
CHILDREN DO YOU SUPPORT?ARE YOU SPENDING ON DAYCARE FOR YOUR KIDS?</span></span></div>
<div style="line-height: 18pt; margin: 0in 0in 0.25in;">
<span style="font-size: small;"><span style="background: none repeat scroll 0% 0% white;">ARE YOU
PLANNING ON STARTING A FAMILY IF YOU HAVE NO KIDS?</span></span></div>
<div style="line-height: 18pt; margin: 0in 0in 0.25in;">
<span style="font-size: small;"><span style="background: none repeat scroll 0% 0% white;">ARE YOU
REPAYING ANY LOANS CURRENTLY?</span></span></div>
<div style="line-height: 18pt; margin: 0in 0in 0.25in;">
<span style="font-size: small;"><span style="background: none repeat scroll 0% 0% white;">WHAT ARE
YOUR CURRENT WEEKLY EXPENSES – INCLUDE ALL EXPENSES NO MATTER HOW MINOR THEY
MAY SEEM.WHAT ARE YOUR PLANNED FUTURE EXPENSES?</span></span></div>
<div style="line-height: 18pt; margin: 0in 0in 0.25in;">
<span style="font-size: small;"><span style="background: none repeat scroll 0% 0% white;">HOW MUCH
MONEY ARE YOU LEFT WITH AT THE END OF THE MONTH AFTER MEETING <b><u>ALL</u></b> EXPENSES?</span></span></div>
<div style="line-height: 18pt; margin: 0in 0in 0.25in;">
<span style="font-size: small;"><span style="background: none repeat scroll 0% 0% white;">THE MONEY LEFT/SAVED
PLUS YOUR RENT IS NORMALLY WHAT YOU CAN AFFORD.</span></span></div>
<div style="line-height: 18pt; margin: 0in 0in 0.25in;">
<span style="font-size: small;"><span style="background: none repeat scroll 0% 0% white;">REMEMBER
THE 30% DSR RULE FOR BORROWING.</span></span></div>
<div style="line-height: 18pt; margin: 0in 0in 0.25in;">
<span style="font-size: small;"><span style="background: none repeat scroll 0% 0% white;">DO YOU HAVE
ANY QUESTIONS?</span></span></div>
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<span style="font-size: small;"><b><u><span style="background: none repeat scroll 0% 0% white; color: black; font-family: "Verdana","sans-serif";">How much can I borrow?</span></u></b><span style="background: none repeat scroll 0% 0% white; color: black; font-family: "Verdana","sans-serif";"> <b><u>(AFFORDABILITY</u></b></span><b><span style="background: none repeat scroll 0% 0% white; color: black; font-family: "Verdana","sans-serif";">)-24.08.11-neha</span></b><span style="background: none repeat scroll 0% 0% white; color: black; font-family: "Verdana","sans-serif";"></span></span></div>
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<span style="font-size: small;"><span style="background: none repeat scroll 0% 0% white; color: black; font-family: "Verdana","sans-serif";">Even
before you start looking for a home you need to know how much you can afford to
spend on your loan repayments. You will need to work out your family budget –
do your maths first…</span><span style="background: none repeat scroll 0% 0% white; color: black; font-family: "Times New Roman","serif";"></span></span></div>
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<span style="font-size: small;"><span style="background: none repeat scroll 0% 0% white; color: black; font-family: "Verdana","sans-serif";">You will
need at least a 5% deposit to put down towards the purchase of your home. This
5% represents your contribution towards the purchase of your home. Ideally you
will have saved this amount over the last 3 months or more. In exceptional
situations, the lender may consider equity from a family member’s home as a
deposit.</span><span style="background: none repeat scroll 0% 0% white; color: black; font-family: "Times New Roman","serif";"></span></span></div>
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<span style="font-size: small;"><span style="background: none repeat scroll 0% 0% white; color: black; font-family: "Verdana","sans-serif";">How much
does your family earn every week/ fortnight/month/year? What is the family
spending every week/ fortnight/month/year …include all expenses and do not
forget to include any repayments on hire purchases, car & personal loans
& any other borrowings. Are you planning a holiday? Budget for this holiday
as well.</span><span style="background: none repeat scroll 0% 0% white; color: black; font-family: "Times New Roman","serif";"></span></span></div>
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<span style="font-size: small;"><span style="background: none repeat scroll 0% 0% white; color: black; font-family: "Verdana","sans-serif";">What are
you able to save at the end of the month after providing for all expenses….The
savings you have achieved towards the end of the month, after providing for all
expenditure, plus the rent you are currently paying should be a guideline
to the amount you can afford towards your mortgage repayments</span><span style="background: none repeat scroll 0% 0% white; color: black; font-family: "Arial","sans-serif";"> and costs.</span><span style="background: none repeat scroll 0% 0% white; color: black; font-family: "Times New Roman","serif";"></span></span></div>
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<span style="font-size: small;"><span style="background: none repeat scroll 0% 0% white; color: black; font-family: "Verdana","sans-serif";">Most banks
& lenders will allow you to borrow between 3 – 5 times your gross annual
incomes. The actual amount you can borrow will depend on a number of other
factors such as….number of dependent children in the family, size &
repayments of any personal borrowings, the type of property you may want to
purchase, the amount of initial deposit.</span><span style="background: none repeat scroll 0% 0% white; color: black; font-family: "Times New Roman","serif";"></span></span></div>
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<span style="font-size: small;"><span style="background: none repeat scroll 0% 0% white;">RULE OF
THUMB – 30% OF GROSS ANNUAL HOUSEHOLD INCOME FOR THE APPLICANT/S SHOULD BE USED
TO REPAY ALL BORROWING<span style="color: #333333;">.</span></span></span></div>
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<span style="font-size: small;"><b><u><span style="background: none repeat scroll 0% 0% white; color: #333333; font-family: "Cambria","serif";">25.08.2011
-HOW MUCH TO BORROW? THIS IS AN EXAMPLE:</span></u></b></span></div>
<div style="line-height: 18pt; margin: 0in 0in 0.25in;">
<span style="font-size: small;"><span style="background: none repeat scroll 0% 0% white; font-family: "Cambria","serif";">COUPLE WITH 2 SCHOOL-GOING CHILDREN ON COMBINED GROSS ANNUAL INCOME OF
$125,000(APPROXIMATELY $100,000 NETT OR $8,400 MTHLY<span style="color: #333333;">)</span></span></span></div>
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<span style="font-size: small;"><span style="background: none repeat scroll 0% 0% white; font-family: "Cambria","serif";">COUPLE HAS A JOINT BANK ACCOUNT-SALARIES GO IN HERE. MRS. MANAGES THE
BUDGET<span style="color: #333333;">.</span>CREDIT CARD USED – PAID IN FULL<span style="color: #333333;">.</span></span></span></div>
<div style="line-height: 18pt; margin: 0in 0in 0.25in;">
<span style="font-size: small;"><span style="background: none repeat scroll 0% 0% white; font-family: "Cambria","serif";">THEY ARE PAYING WEEKLY RENT OF $ 495 FOR A 3 BEDROOM HOUSE IN CENTRAL
AUCKLAND.CLOSE TO SCHOOL FOR THE KIDS.</span></span></div>
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<span style="font-size: small;"><span style="background: none repeat scroll 0% 0% white; font-family: "Cambria","serif";">AFTER THE MONTH’S GROCERY EXPENSES AND ALL UTILITY BILLS, PAY TV,PETROL,
BUS,LIFE & OTHER PERSONAL INSURANCE, CONTENTS & CAR INSURANCE ETC COSTS
ARE MET;THEY HAVE SAVED APPROXIMATELY $800 IN YOUR BANK ACCOUNT. MRS. ALSO HAS
PUT AWAY ANOTHER $200 INTO AN ACCOUNT THAT NOBODY IS AWARE OF OR YOU SAVE IT AS
CASH.</span></span></div>
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<span style="font-size: small;"><span style="background: none repeat scroll 0% 0% white; font-family: "Cambria","serif";">LET’S WORK THAT OUT –</span></span></div>
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<span style="font-size: small;"><span style="background: none repeat scroll 0% 0% white; font-family: "Cambria","serif";">RENT @ $495</span></span></div>
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<span style="font-size: small;"><span style="background: none repeat scroll 0% 0% white; font-family: "Cambria","serif";"><span> </span>X 52 WEEKS = $ 25,740</span></span></div>
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<span style="font-size: small;"><span style="background: none repeat scroll 0% 0% white; font-family: "Cambria","serif";">SAVINGS @$ 800 PER MONTH SAVED =<span> </span>$<span> </span>9,600</span></span></div>
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<span style="font-size: small;"><span style="background: none repeat scroll 0% 0% white; font-family: "Cambria","serif";">ADD THESE UP NEHA? $35,340 OR SAY $ 35,000 FOR THE YEAR.</span></span></div>
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<span style="font-size: small;"><span style="background: none repeat scroll 0% 0% white; font-family: "Cambria","serif";">THIS IS WHAT THIS FAMILY SHOULD BE <b><u>IDEALLY</u></b>
LOOKING TO REPAY AS THE MAXIMUM LOAN INSTALMENT PROVIDED YOU DO NOT HAVE ANY
BORROWINGS CURRENTLY OR OTHER SPENDING PLANS IN THE FUTURE.</span></span></div>
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<span style="font-size: small;"><span style="background: none repeat scroll 0% 0% white; font-family: "Cambria","serif";">THIS FIGURE OF $ 35,000 REPRESENTS 28% OF GROSS ANNUAL INCOME.</span></span></div>
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<span style="font-size: small;"><span style="background: none repeat scroll 0% 0% white; font-family: "Cambria","serif";">WHAT LOAN AMOUNT REPAYMENT DOES THIS REPRESENT AT CURRENT VARIABLE RATES
- APPROXIMATELY <b><u>$450,000 @ 5.75%?</u></b>OVER
25 YEARS.</span></span></div>
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<span style="font-size: small;"><b><span style="background: none repeat scroll 0% 0% white; font-family: "Cambria","serif";">NEHA, CAN YOU
GUARANTEE INTEREST RATES WILL REMAIN THE SAME?</span></b></span></div>
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<span style="font-size: small;"><span style="background: none repeat scroll 0% 0% white; font-family: "Cambria","serif";">INTEREST RATES WILL INCREASE – </span></span></div>
<div style="line-height: 18pt; margin: 0in 0in 0.25in;">
<span style="font-size: small;"><span style="background: none repeat scroll 0% 0% white; font-family: "Cambria","serif";">LET’S TAKE 7.50% AS THE EXAMPLE – </span></span></div>
<div style="line-height: 18pt; margin: 0in 0in 0.25in;">
<span style="font-size: small;"><span style="background: none repeat scroll 0% 0% white; font-family: "Cambria","serif";">THE LOANAMOUNT IS APPROXIMATELY <b><u>$415,000
BASED ON 7.50%</u></b> OVER <b><u>25 YEARS</u></b>.</span></span></div>
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<span style="font-size: small;"><span style="background: none repeat scroll 0% 0% white; font-family: "Cambria","serif";">I WOULD ADVISE THE FAMILY TO SETTLE FOR THIS LOAN AMOUNT OR EVEN LOWER
THAN THISIF I CAN FIND A SUITABLE PROPERTY. </span></span></div>
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<span style="font-size: small;"><span style="background: none repeat scroll 0% 0% white; font-family: "Cambria","serif";">BUT CAN THE FAMILY FIND A SUITABLE PROPERTY AT THIS PRICE LEVEL?<span style="color: #333333;"></span></span></span></div>
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<span style="font-size: small;"><span style="background: none repeat scroll 0% 0% white; font-family: "Cambria","serif";">HOWEVER, BANKS WILL LEND THE FAMILY MORE THAN $450,000 IF THE FAMILY
APPLIES FOR THIS AMOUNT.</span></span></div>
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<span style="font-size: small;"><span style="background: none repeat scroll 0% 0% white; font-family: "Cambria","serif";"><span> </span>IN THIS SITUATION, THE COUPLE CAN
EVEN GET A LOAN APPROVAL FOR $600,000 ON A 5% DEPOSIT<span style="color: #333333;">.</span></span></span></div>
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<span style="font-size: small;"><span style="background: none repeat scroll 0% 0% white; font-family: "Cambria","serif";">MORE NEXT WEEK ON AFFORDABILITY.</span></span></div>
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<span style="font-size: small;"><b><u><span style="background: none repeat scroll 0% 0% white; font-family: "Cambria","serif";">30.08.2011</span></u></b></span></div>
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<span style="font-size: small;"><span style="background: none repeat scroll 0% 0% white; font-family: "Cambria","serif";">LAST THURSDAY, AS AN EXAMPLE, WE DISCUSSED THE FAMILY IDEALLY BORROWING
$ 450,000 AS IDEAL BASED ON THEIR CURRENT CIRCUMSTANCES – 2 WORKING ADULTS WITH
2 SCHOOL KIDS. JOINT EARNINGS $125,000 PER ANNUM.PAYING $495 PER WEEK AS RENT.NO
DEBTS.</span></span></div>
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<span style="font-size: small;"><span style="background: none repeat scroll 0% 0% white; font-family: "Cambria","serif";">WHAT WILL REPAYMENTS BE ON $450,000 OVER 25 YEARS? NEHA -PLEASE NOTE THAT
I AM NOT RECOMMENDING 30 YEARS.</span></span></div>
<div style="line-height: 18pt; margin: 0in 0in 0.25in;">
<span style="font-size: small;"><span style="background: none repeat scroll 0% 0% white; font-family: "Cambria","serif";">CURRENT VARIABLE RATE IS $5.75% - REPAYMENT IS $652.11 PER WEEK OR $2831
PER MONTH OVER 25 YEARS ON $450,000 LOAN. THE LOAN INSTALMENT IS A BIT HIGHER
THAN THE RENT PAID.</span></span></div>
<div style="line-height: 18pt; margin: 0in 0in 0.25in;">
<span style="font-size: small;"><span style="background: none repeat scroll 0% 0% white; font-family: "Cambria","serif";">WHAT HAPPENS WHEN THE INTEREST RATE INCREASES? </span></span></div>
<div style="line-height: 18pt; margin: 0in 0in 0.25in;">
<span style="font-size: small;"><span style="background: none repeat scroll 0% 0% white; font-family: "Cambria","serif";">WHAT WILL REPAYMENTS BE IN 2 YEARS TIME IF INTEREST RATES ARE AT A
HIGHER LEVEL – SAY 7.50%.</span></span></div>
<div style="line-height: 18pt; margin: 0in 0in 0.25in;">
<span style="font-size: small;"><span style="background: none repeat scroll 0% 0% white; font-family: "Cambria","serif";">REPAYMENT WILL BE $ 789 PER WEEK OR $3426 PER MONTH.</span></span></div>
<div style="line-height: 18pt; margin: 0in 0in 0.25in;">
<span style="font-size: small;"><span style="background: none repeat scroll 0% 0% white; font-family: "Cambria","serif";">CAN THE FAMILY AFFORD THIS LEVEL OF REPAYMENT?IF THERE HAS BEEN NO DROP
IN EARNINGS AND IF THE FAMILY HAS TAKEN ON NO MORE DEBT, THEY CAN SERVICE THE
BORROWING COMFORTABLY.</span></span></div>
<div style="line-height: 18pt; margin: 0in 0in 0.25in;">
<span style="font-size: small;"><span style="background: none repeat scroll 0% 0% white; font-family: "Cambria","serif";">WHAT IF INTEREST RATES INCREASE TO 8.50% IN 3 YEARS TIME? </span></span></div>
<div style="line-height: 18pt; margin: 0in 0in 0.25in;">
<span style="font-size: small;"><span style="background: none repeat scroll 0% 0% white; font-family: "Cambria","serif";">WHAT WILL REPAYMENTS BE?</span></span></div>
<div style="line-height: 18pt; margin: 0in 0in 0.25in;">
<span style="font-size: small;"><span style="background: none repeat scroll 0% 0% white; font-family: "Cambria","serif";">$868 PER WEEK OR $3773 PER MONTH OVER 22 YEARS.</span></span></div>
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<span style="font-size: small;"><span style="background: none repeat scroll 0% 0% white; font-family: "Cambria","serif";">THE WEEKLY INSTALMENT IS NOW ALMOST DOUBLE THE RENT-$495.</span></span></div>
<div style="line-height: 18pt; margin: 0in 0in 0.25in;">
<span style="font-size: small;"><span style="background: none repeat scroll 0% 0% white; font-family: "Cambria","serif";">CAN THE FAMILY AFFORD THIS? IT IS BECOMING A BIT TIGHT NOW.</span></span></div>
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<span style="font-size: small;"><b><u><span style="background: none repeat scroll 0% 0% white; font-family: "Cambria","serif";">31.08.2011 – did
not complete on account of Ramzan</span></u></b></span></div>
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<span style="font-size: small;"><b><u><span style="background: none repeat scroll 0% 0% white; font-family: "Cambria","serif";">01.09.2011</span></u></b></span></div>
<div style="line-height: 18pt; margin: 0in 0in 0.25in;">
<span style="font-size: small;"><span style="background: none repeat scroll 0% 0% white; font-family: "Cambria","serif";">WE WILL CONCLUDE THIS EXAMPLE TODAY.</span></span></div>
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<span style="font-size: small;"><span style="background: none repeat scroll 0% 0% white; font-family: "Cambria","serif";">TUESDAY WE BRIEFLY TALKED ABOUT REPAYMENTS ON A $450,000 LOAN WHEN
INTERESTRATES RISE FROM 5.75% TO 7.50% TO 8.50%.</span></span></div>
<div style="line-height: 18pt; margin: 0in 0in 0.25in;">
<span style="font-size: small;"><span style="background: none repeat scroll 0% 0% white; font-family: "Cambria","serif";">LET’S ASSUME THE FAMILY WAS PRE-APPROVED A LOAN OF $600,000.</span></span></div>
<div style="line-height: 18pt; margin: 0in 0in 0.25in;">
<span style="font-size: small;"><b><span style="background: none repeat scroll 0% 0% white; font-family: "Cambria","serif";">THE FAMILY DOES
NOT LOOK FOR A SUITABLE PROPERTY IN THE PRICE RANGE OF $450,000 PLUS DEPOSITAS
THEY NOW HAVE A BIGGER LOAN AMOUNT PREAPPROVED.</span></b></span></div>
<div style="line-height: 18pt; margin: 0in 0in 0.25in;">
<span style="font-size: small;"><b><span style="background: none repeat scroll 0% 0% white; font-family: "Cambria","serif";">THIS LOAN AMOUNT
MEANS A BIGGER &HOPEFULLY BETTER PROPERTY</span></b><span style="background: none repeat scroll 0% 0% white; font-family: "Cambria","serif";">.</span></span></div>
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<span style="font-size: small;"><b><span style="background: none repeat scroll 0% 0% white; font-family: "Cambria","serif";">THE BUDGET IS
NOW FORGOTTEN (TO BRING OIL) AS THE DREAMS OF A BIGGER PROPERTY COME INTO THE
PICTURE</span></b><span style="background: none repeat scroll 0% 0% white; font-family: "Cambria","serif";">.</span></span></div>
<div style="line-height: 18pt; margin: 0in 0in 0.25in;">
<span style="font-size: small;"><b><span style="background: none repeat scroll 0% 0% white; font-family: "Cambria","serif";">THIS IS HUMAN
NATURE. WEAKNESS FOR BIGGER /HOPEFULLY BETTER</span></b><span style="background: none repeat scroll 0% 0% white; font-family: "Cambria","serif";">.</span></span></div>
<div style="line-height: 18pt; margin: 0in 0in 0.25in;">
<span style="font-size: small;"><span style="background: none repeat scroll 0% 0% white; font-family: "Cambria","serif";">IF THE FAMILY TAKES ON A LOAN OF <b>$600,
000</b>, WHAT WILL CURRENT MONTHLY REPAYMENTS BE ON THIS LOAN?</span></span></div>
<div style="line-height: 18pt; margin: 0in 0in 0.25in;">
<span style="font-size: small;"><span style="background: none repeat scroll 0% 0% white; font-family: "Cambria","serif";">THE REPAYMENT WORKS OUT TO <b>$869</b>
PER WEEK OVER <b>25 YEARS</b> ON THE
CURRENT <b>VARIABLE RATE OF 5.75%.</b></span></span></div>
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<span style="font-size: small;"><b><span style="background: none repeat scroll 0% 0% white; font-family: "Cambria","serif";">FAMILY HAS MADE
A FEW ADJUSTMENTS TO FIT IN THIS REPAYMENT.</span></b><span style="background: none repeat scroll 0% 0% white; font-family: "Cambria","serif";"> (REMEMBER, FAMILY WAS
PAYING RENT OF $495 PER WEEKAND THE FAMILY WAS SAVING APPROXIMATELY $800 PER
MONTH)</span></span></div>
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<span style="font-size: small;"><span style="background: none repeat scroll 0% 0% white; font-family: "Cambria","serif";">WHAT WILL REPAYMENTS BE WHEN INTEREST RATES INCREASE ON THIS LOAN OF
$600,000? AS I MENTIONED EARLIER, INTEREST RATES WILL INCREASE WITH TIME.</span></span></div>
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<span style="font-size: small;"><b><span style="background: none repeat scroll 0% 0% white; font-family: "Cambria","serif";">WHAT WILL WEEKLY
REPAYMENTS BE IN 2 YEARS WHEN THE INTEREST RATE HAS REACHED 7.50% & 8.50%?</span></b></span></div>
<div style="line-height: 18pt; margin: 0in 0in 0.25in;">
<span style="font-size: small;"><span style="background: none repeat scroll 0% 0% white; font-family: "Cambria","serif";">WEEKLY REPAYMENTS WILL BE <b>$1051.71@
7.50%</b> AND OVER <b>$1150 PERWEEK @ 8.50%</b>(RENT
WAS $495) AND ARE MUCH MORE THAN DOUBLE THE RENT PAID.</span></span></div>
<div style="line-height: 18pt; margin: 0in 0in 0.25in;">
<span style="font-size: small;"><span style="background: none repeat scroll 0% 0% white; font-family: "Cambria","serif";">THIS IS NOW EQUAL TO 44% OF GROSS ANNUAL INCOME (ASSUMING INCOMES HAVE
NOT DROPPED AND ARE AT SAME LEVELS AS WHEN THE LOAN WAS TAKEN) OR 55% OF NET
ANNUAL INCOME</span></span></div>
<div style="line-height: 18pt; margin: 0in 0in 0.25in;">
<span style="font-size: small;"><span style="background: none repeat scroll 0% 0% white; font-family: "Cambria","serif";">CLOSE TO 60% OF NET MONTHLY INCOME @ 8.50%.</span></span></div>
<div style="line-height: 18pt; margin: 0in 0in 0.25in;">
<span style="font-size: small;"><span style="background: none repeat scroll 0% 0% white; font-family: "Cambria","serif";">THE COUPLE EARNS $8400 NET PER MONTH & $4560 PER MONTH IS GOING
TOWARDS THE MORTGAGE PAYMENT.</span></span></div>
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<span style="font-size: small;"><b><span style="background: none repeat scroll 0% 0% white; font-family: "Cambria","serif";">HOW DO YOU AVOID
THIS SITUATION? CAN YOU AVOID THIS SITUATION?</span></b></span></div>
<div style="line-height: 18pt; margin: 0in 0in 0.25in;">
<span style="font-size: small;"><b><u><span style="background: none repeat scroll 0% 0% white; font-family: "Cambria","serif";">YOU CAN AVOID
THIS BY MAKING A BUDGET AND STICKING TO IT.</span></u></b></span></div>
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<span style="font-size: small;"><b><span style="background: none repeat scroll 0% 0% white; font-family: "Cambria","serif";">MORE ON
MORTGAGES NEXT WEEK.</span></b></span></div>
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<span style="font-size: small;"><b><u><span style="background: none repeat scroll 0% 0% white; color: #333333; font-family: "Cambria","serif";">MANAGING
DEBT</span></u></b></span></div>
<div style="line-height: 18pt; margin: 0in 0in 0.25in;">
<span style="font-size: small;"><span style="background: none repeat scroll 0% 0% white; color: #333333; font-family: "Cambria","serif";">In the last few years more people have found themselves
challenged with debt.</span></span></div>
<div style="line-height: 18pt; margin: 0in 0in 0.25in;">
<span style="font-size: small;"><span style="background: none repeat scroll 0% 0% white; color: #333333; font-family: "Cambria","serif";">Sadly in the society we live in, it has become way to easy to
get credit and we have become a nation of spenders. The latest stats are that
we are spending $1.02 for every dollar we earn.</span></span></div>
<div style="line-height: 18pt; margin: 0in 0in 0.25in;">
<span style="font-size: small;"><span style="background: none repeat scroll 0% 0% white; color: #333333; font-family: "Cambria","serif";">That's well down on a few years ago when we were spending
$1.15 for every dollar we earned however it's still not that great. Ideally as
a nation we should be spending less than we earn and saving the difference.</span></span></div>
<div style="line-height: 18pt; margin: 0in 0in 0.25in;">
<span style="font-size: small;"><span style="background: none repeat scroll 0% 0% white; color: #333333; font-family: "Cambria","serif";">If you are worried about your credit rating you can go to
www.mycreditfile.co.nz and there is a form that you can complete called the
Request for Access to Your Personal Credit File or My Credit Alert.</span></span></div>
<div style="line-height: 18pt; margin: 0in 0in 0.25in;">
<span style="font-size: small;"><span style="background: none repeat scroll 0% 0% white; color: #333333; font-family: "Cambria","serif";">There are both free and charged for options. It worth having
a look at what history there is on you, whether you think there may be an issue
or not.</span></span></div>
<div style="line-height: 18pt; margin: 0in 0in 0.25in;">
<span style="font-size: small;"><span style="background: none repeat scroll 0% 0% white; color: #333333; font-family: "Cambria","serif";">You cannot change your current rating so the best thing is to
focus on getting on top of your debts so in the future you can improve your
rating.</span></span></div>
<div style="line-height: 18pt; margin: 0in 0in 0.0001pt;">
<span style="font-size: small;"><span style="background: none repeat scroll 0% 0% white; color: #333333; font-family: "Cambria","serif";"><br />
Here are some tips:</span></span></div>
<div style="line-height: 18pt; margin: 0in 0in 0.0001pt;">
<span style="font-size: small;"><strong><span style="background: none repeat scroll 0% 0% white; color: #333333; font-family: "Cambria","serif";">1.
Understand what your total debts are</span></strong><span style="background: none repeat scroll 0% 0% white; color: #333333; font-family: "Cambria","serif";"><br />
This may seem obvious but I've often found with that when people sit down and
add up all their debts what they thought they owed can often be quite different
from the reality.</span></span></div>
<div style="line-height: 18pt; margin: 0in 0in 0.0001pt;">
<span style="font-size: small;"><strong><span style="background: none repeat scroll 0% 0% white; color: #333333; font-family: "Cambria","serif";">2.
Understand the details of what you owe</span></strong><span style="background: none repeat scroll 0% 0% white; color: #333333; font-family: "Cambria","serif";"><br />
Make a list of all of your debts:<br />
• who do you owe<br />
• how many payments do you have to go<br />
• what are the interest rates<br />
• are there restrictions with paying any of them off earlier (common with car
loans)<br />
• are their any balloon payments (large payments at the end)<br />
• does the interest rate increase if you haven't paid off the loan within a
certain period<br />
• what are the minimum payments</span></span></div>
<div style="line-height: 18pt; margin: 0in 0in 0.0001pt;">
<span style="font-size: small;"><strong><span style="background: none repeat scroll 0% 0% white; color: #333333; font-family: "Cambria","serif";">3.
Establish how much you can pay off</span></strong><span style="background: none repeat scroll 0% 0% white; color: #333333; font-family: "Cambria","serif";"><br />
To do this you will need to do some kind of budget so you know how much spare
money you have each week/month to put towards your debts.</span></span></div>
<div style="line-height: 18pt; margin: 0in 0in 0.0001pt;">
<span style="font-size: small;"><strong><span style="background: none repeat scroll 0% 0% white; color: #333333; font-family: "Cambria","serif";">4.
Develop a payment plan</span></strong><span style="background: none repeat scroll 0% 0% white; color: #333333; font-family: "Cambria","serif";"><br />
When you have all the information you need you can work out a plan of HOW you
are going to tackle paying of your debt.</span></span></div>
<div style="line-height: 18pt; margin: 0in 0in 0.0001pt;">
<span style="font-size: small;"><strong><span style="background: none repeat scroll 0% 0% white; color: #333333; font-family: "Cambria","serif";">5.
Be strategic about what you pay off</span></strong><span style="background: none repeat scroll 0% 0% white; color: #333333; font-family: "Cambria","serif";"><br />
If you have extra money that you can put towards fast tracking your payments
and you have met all of your minimum payments then pay off debts with the
highest interest rate first. Once that debt has gone, start on the next one and
so on.</span></span></div>
<div style="line-height: 18pt; margin: 0in 0in 0.0001pt;">
<span style="font-size: small;"><strong><span style="background: none repeat scroll 0% 0% white; color: #333333; font-family: "Cambria","serif";">6.
Remove temptation</span></strong><span style="background: none repeat scroll 0% 0% white; color: #333333; font-family: "Cambria","serif";"><br />
It's not much use putting all that work into paying off your debts if you are
going to rack them up again. Find another hobby other than shopping and put
your credit card somewhere you can't get easy access to it.</span></span></div>
<div style="line-height: 18pt; margin: 0in 0in 0.0001pt;">
<span style="font-size: small;"><strong><span style="background: none repeat scroll 0% 0% white; color: #333333; font-family: "Cambria","serif";">7.
Negotiate with your creditors</span></strong><span style="background: none repeat scroll 0% 0% white; color: #333333; font-family: "Cambria","serif";"><br />
If you are behind in your payments communicate with your creditors. Usually
they will be okay if you keep them in the loop, but make an effort and do what
you say you are going to do.</span></span></div>
<div style="line-height: 18pt; margin: 0in 0in 0.0001pt;">
<span style="font-size: small;"><strong><span style="background: none repeat scroll 0% 0% white; color: #333333; font-family: "Cambria","serif";">8.
Avoid late payments</span></strong><span style="background: none repeat scroll 0% 0% white; color: #333333; font-family: "Cambria","serif";"><br />
Try to keep on top of all debts so you don't incur any additional fees and
charges.</span></span></div>
<div style="line-height: 18pt; margin: 0in 0in 0.0001pt;">
<span style="font-size: small;"><strong><span style="background: none repeat scroll 0% 0% white; color: #333333; font-family: "Cambria","serif";">9.
Monitor and review</span></strong><span style="background: none repeat scroll 0% 0% white; color: #333333; font-family: "Cambria","serif";"><br />
Keep an eye on your progress and adjust your plan when necessary. Keep track of
how much you are paying off as this can be very motivating.</span></span></div>
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<br /></div>
Mortgage Mantrahttp://www.blogger.com/profile/13674347000250569912noreply@blogger.com0tag:blogger.com,1999:blog-2834030192867962529.post-64543058532453079252011-10-10T04:44:00.000-07:002011-10-10T04:44:20.302-07:00Tips for Home Load Application<!--[if gte mso 9]><xml>
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<div class="MsoNormal">
<u>Tips to assist with your home-loan application</u></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<b style="mso-bidi-font-weight: normal;"><span style="font-family: "Cambria","serif";">WE CAN ASSIST YOU EVEN IF YOU ARE NOT IN
AUCKLAND</span></b></div>
<div class="MsoNormal">
<br /></div>
<ul style="margin-top: 0in;" type="disc">
<li class="MsoNormal" style="mso-list: l0 level1 lfo1;">File all local bank statements-
+ overseas statements (copies cost) </li>
</ul>
<ul style="margin-top: 0in;" type="disc">
<li class="MsoNormal" style="mso-list: l0 level1 lfo1;">Always keep current 6
months statements ready. </li>
</ul>
<ul style="margin-top: 0in;" type="disc">
<li class="MsoNormal" style="mso-list: l0 level1 lfo1;">If your deposit has come
from overseas, get your paperwork organized early to save time / stress </li>
</ul>
<ul style="margin-top: 0in;" type="disc">
<li class="MsoNormal" style="mso-list: l0 level1 lfo1;">Conduct your bank account
within limits (with or w/out o/d)- do not go beyond available balances </li>
</ul>
<ul style="margin-top: 0in;" type="disc">
<li class="MsoNormal" style="mso-list: l0 level1 lfo1;">Ensure all automatic
payments & direct debits are honored. Have a good excuse for missing
out on a payment. Keep track of related events. </li>
</ul>
<ul style="margin-top: 0in;" type="disc">
<li class="MsoNormal" style="mso-list: l0 level1 lfo1;">Try and reduce the number
of operational accounts-save on fees + additional paperwork – also makes
managing account simpler, lesser paperwork </li>
</ul>
<ul style="margin-top: 0in;" type="disc">
<li class="MsoNormal" style="mso-list: l0 level1 lfo1;">If you have a credit card,
use it wisely-pay in full every month & file statements </li>
</ul>
<div class="MsoNormal" style="margin-left: .5in;">
<b style="mso-bidi-font-weight: normal;"><u><span style="font-family: "Cambria","serif";">(u r paying fees for the
credit card-use the credit card wisely)</span></u></b></div>
<div class="MsoNormal">
<br /></div>
<ul style="margin-top: 0in;" type="disc">
<li class="MsoNormal" style="mso-list: l0 level1 lfo1;">Pay credit card bills on
time – even if you have to just make the minimum payment </li>
</ul>
<ul style="margin-top: 0in;" type="disc">
<li class="MsoNormal" style="mso-list: l0 level1 lfo1;">Try not to have more than
1 credit card </li>
</ul>
<ul style="margin-top: 0in;" type="disc">
<li class="MsoNormal" style="mso-list: l0 level1 lfo1;">File your credit card
statements </li>
</ul>
<ul style="margin-top: 0in;" type="disc">
<li class="MsoNormal" style="mso-list: l0 level1 lfo1;">Try not to borrow
externally unless <b style="mso-bidi-font-weight: normal;"><u><span style="font-family: "Cambria","serif";">essential for your day-to-day living</span></u></b> </li>
</ul>
<ul style="margin-top: 0in;" type="disc">
<li class="MsoNormal" style="mso-list: l0 level1 lfo1;">All forms of borrowing can
hurt your application and your borrowing ability, your deposit and your
repayment ability </li>
</ul>
<ul style="margin-top: 0in;" type="disc">
<li class="MsoNormal" style="mso-list: l0 level1 lfo1;"><span style="mso-spacerun: yes;"> </span>Do not guarantee a 3<sup>rd</sup> party
loan or hire purchase account </li>
</ul>
<ul style="margin-top: 0in;" type="disc">
<li class="MsoNormal" style="mso-list: l0 level1 lfo1;">Keep your credit file <b style="mso-bidi-font-weight: normal;">CLEAN</b> </li>
</ul>
<ul style="margin-top: 0in;" type="disc">
<li class="MsoNormal" style="mso-list: l0 level1 lfo1;">Get all your income coming
to your bank account-even if u r paid in cash </li>
</ul>
<ul style="margin-top: 0in;" type="disc">
<li class="MsoNormal" style="mso-list: l0 level1 lfo1;">Do not change jobs too
often – if you do , justify reasons for changing jobs </li>
</ul>
<ul style="margin-top: 0in;" type="disc">
<li class="MsoNormal" style="mso-list: l0 level1 lfo1;">File all pay
slips/contracts, employment offer letters </li>
</ul>
<ul style="margin-top: 0in;" type="disc">
<li class="MsoNormal" style="mso-list: l0 level1 lfo1;">Copies of your id to be
kept handy-passport/drivers license </li>
</ul>
<ul style="margin-top: 0in;" type="disc">
<li class="MsoNormal" style="mso-list: l0 level1 lfo1;">If boarding or renting,
try and pay through your account </li>
</ul>
<ul style="margin-top: 0in;" type="disc">
<li class="MsoNormal" style="mso-list: l0 level1 lfo1;">If receiving board,
receive through your account </li>
</ul>
<div class="MsoNormal">
<b style="mso-bidi-font-weight: normal;"><span style="font-family: "Cambria","serif";">YES…BEFORE HOUSE-HUNTING GET YOUR LOAN
APRE-APPROVED</span></b></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<b style="mso-bidi-font-weight: normal;"><span style="font-family: "Cambria","serif";">CALL MORTGAGE MANTRA.THESE ARE JUST A FEW
TIPS…MORE IN THE WEEKS TO COME</span></b>.</div>
<div class="MsoNormal">
</div>
<div class="MsoNormal">
________________________________________________________________________</div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<span style="font-size: 11.0pt;">CAN NOW BORROW 95% OF PP AND
LEF CAN BE CAPITALISED</span></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<span style="font-size: 11.0pt;"><span style="mso-spacerun: yes;"> </span>NEW AGENCY STARTING TO SELL PROPERTY, CHARGING
ONLY 2.95%.</span></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<span style="font-size: 11.0pt;">HOUSE SALES IN NZ 3252(3666)
IN JANUARY 2011, IN AUCKLAND 1115(1428 IN DECEMBER 2010) 4397 IN DECEMBER 2010.</span></div>
Mortgage Mantrahttp://www.blogger.com/profile/13674347000250569912noreply@blogger.com0tag:blogger.com,1999:blog-2834030192867962529.post-62576383409300128522011-10-10T04:42:00.001-07:002011-10-10T04:42:12.093-07:00Seek help on Paying Off Mortgage<!--[if gte mso 9]><xml>
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HOW OFTEN DO YOU VISIT YOUR DOCTOR, SOLICITOR OR ACCOUNTANT?
WHENEVER YOU HAVE A PROBLEM OR DISCUSS A SITUATION/SOLUTION.
</div>
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<br /></div>
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A FEW PEOPLE DO EXPERIENCE PROBLEMS WITH THEIR HOME LOANS
BECAUSE OF VARIOUS REASONS LIKE:</div>
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<br /></div>
<div class="MsoListParagraphCxSpFirst" style="mso-list: l1 level1 lfo1; text-indent: -.25in;">
<span style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span>LOSS OF JOBS</div>
<div class="MsoListParagraphCxSpMiddle" style="mso-list: l1 level1 lfo1; text-indent: -.25in;">
<span style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span>DROP IN INCOME/S</div>
<div class="MsoListParagraphCxSpMiddle" style="mso-list: l1 level1 lfo1; text-indent: -.25in;">
<span style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span>ILL AND UNABLE TO WORK</div>
<div class="MsoListParagraphCxSpMiddle" style="mso-list: l1 level1 lfo1; text-indent: -.25in;">
<span style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span>TENANT NOT PAYING RENT ON TIME OR NOT PAYING AT
ALL</div>
<div class="MsoListParagraphCxSpMiddle" style="mso-list: l1 level1 lfo1; text-indent: -.25in;">
<span style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span>INTEREST RATES HAVE INCREASED BEYOND
EXPECTATIONS</div>
<div class="MsoListParagraphCxSpMiddle" style="mso-list: l1 level1 lfo1; text-indent: -.25in;">
<span style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span>HAVE BORROWED TOO MUCH ELSEWHERE AND CANNOT
MANAGE </div>
<div class="MsoListParagraphCxSpLast" style="mso-list: l1 level1 lfo1; text-indent: -.25in;">
<span style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span>FAMILY SITUATION HAS CHANGED</div>
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<br /></div>
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SOLUTIONS ARE NOT EASY BUT SOME OPTIONS ARE:</div>
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<span style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span>FIRST TALK WITH IMMEDIATE FAMILY / CLOSE FRIENDS&
ASK FOR THEIR HELP….IN ANY FORM</div>
<div class="MsoListParagraphCxSpMiddle" style="mso-list: l0 level1 lfo2; text-indent: -.25in;">
<span style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span>TALK TO YOUR LENDER / BROKER/ADVISER</div>
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<span style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span>NEGOTIATE RATES</div>
<div class="MsoListParagraphCxSpMiddle" style="mso-list: l0 level1 lfo2; text-indent: -.25in;">
<span style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span>CHECK IF YOU CAN GO INTEREST ONLY ON LOAN</div>
<div class="MsoListParagraphCxSpMiddle" style="mso-list: l0 level1 lfo2; text-indent: -.25in;">
<span style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span>INCREASE TERM OF LOAN</div>
<div class="MsoListParagraphCxSpMiddle" style="mso-list: l0 level1 lfo2; text-indent: -.25in;">
<span style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span>ASK FOR MORTGAGE REPAYMENT HOLIDAY (PRINCIPAL
INCREASES)</div>
<div class="MsoListParagraphCxSpMiddle" style="mso-list: l0 level1 lfo2; text-indent: -.25in;">
<span style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span>DO A 2<sup>ND</sup>&/ OR 3<sup>RD</sup> JOB
OR CHANGE TO A BETTER PAYING JOB</div>
<div class="MsoListParagraphCxSpMiddle" style="mso-list: l0 level1 lfo2; text-indent: -.25in;">
<span style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span>TAKE ON A BOARDER/S</div>
<div class="MsoListParagraphCxSpMiddle" style="mso-list: l0 level1 lfo2; text-indent: -.25in;">
<span style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span>CONSOLIDATE OTHER BORROWINGS WITH HOME LOAN, IF
POSSIBLE</div>
<div class="MsoListParagraphCxSpMiddle" style="mso-list: l0 level1 lfo2; text-indent: -.25in;">
<span style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span>DELAY,POSTPONE OR CANCEL ANY HOLIDAYS PLANNED</div>
<div class="MsoListParagraphCxSpMiddle" style="mso-list: l0 level1 lfo2; text-indent: -.25in;">
<span style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span>REVIEW PERSONAL EXPENSES – FUEL,PAY TV,EATING
OUT,CLOTHING,JEWELLERY</div>
<div class="MsoListParagraphCxSpLast" style="mso-list: l0 level1 lfo2; text-indent: -.25in;">
<span style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span>STOP BORROWING ELSEWHERE</div>
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<br /></div>
<div class="MsoNormal">
<br /></div>
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IF ALL OPTIONS HAVE BEEN EXPLORED AND NO RESULT OBTAINED,
YOU MAY BE BEST ADVISED TO SELL BEFORE THE SITUATION WHERE THE LENDER HAS TO
SELL <a href="" name="_GoBack"></a>(MORTGAGEE SALE)</div>
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<br /></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<br /></div>
Mortgage Mantrahttp://www.blogger.com/profile/13674347000250569912noreply@blogger.com0tag:blogger.com,1999:blog-2834030192867962529.post-78639507000004670192011-10-10T04:41:00.001-07:002011-10-10T04:41:27.333-07:00Rising Rent in Auckland<!--[if gte mso 9]><xml>
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<div class="intro" style="line-height: 15.75pt; margin-bottom: 3.0pt; margin-left: 0in; margin-right: 0in; margin-top: 6.0pt;">
<b style="mso-bidi-font-weight: normal;"><u><span style="color: #333333; font-family: "Arial","sans-serif"; font-size: 10.5pt;">quoting from online sources</span></u></b></div>
<div class="intro" style="line-height: 15.75pt; margin-bottom: 3.0pt; margin-left: 0in; margin-right: 0in; margin-top: 6.0pt;">
<b style="mso-bidi-font-weight: normal;"><span style="color: #333333; font-family: "Arial","sans-serif"; font-size: 10.5pt;">Rents
in Auckland reached their highest recorded level in March, increasing by $32 on
February to $434, according to the latest Barfoot& Thompson sales data.</span></b></div>
<div style="line-height: 13.5pt; margin-bottom: 3.0pt; margin-left: 0in; margin-right: 0in; margin-top: 6.0pt;">
<b style="mso-bidi-font-weight: normal;"><span style="color: #333333; font-family: "Arial","sans-serif"; font-size: 9.0pt;">Over
Marchaverage rents rose 4.7%</span></b><span style="color: #333333; font-family: "Arial","sans-serif"; font-size: 9.0pt;">(seasonally-adjusted)over February, <b style="mso-bidi-font-weight: normal;">up 8.2% on year-ago levels.</b></span></div>
<div style="line-height: 13.5pt; margin-bottom: 3.0pt; margin-left: 0in; margin-right: 0in; margin-top: 6.0pt;">
<span style="color: #333333; font-family: "Arial","sans-serif"; font-size: 9.0pt;">March data was "unequivocally strong", with
seasonally-adjusted turnover up 11.4% on February - <b style="mso-bidi-font-weight: normal;"><u>the strongest turnover in 15 months</u></b> - and the <b style="mso-bidi-font-weight: normal;"><u>average sales price rising to a record
$581,190.</u></b></span></div>
<div style="line-height: 13.5pt; margin-bottom: 3.0pt; margin-left: 0in; margin-right: 0in; margin-top: 6.0pt;">
<span style="color: #333333; font-family: "Arial","sans-serif"; font-size: 9.0pt;">"<b style="mso-bidi-font-weight: normal;">When youcombine the
increase in weekly rents with the rise in property prices, it flags that
accommodation in Auckland is in short supply,"</b></span><b style="mso-bidi-font-weight: normal;"><u><span style="color: #333333; font-family: "Arial","sans-serif";">We discussed this only last week</span></u></b><span style="color: #333333; font-family: "Arial","sans-serif"; font-size: 9.0pt;">.</span></div>
<div style="line-height: 13.5pt; margin-bottom: 3.0pt; margin-left: 0in; margin-right: 0in; margin-top: 6.0pt;">
<span style="color: #333333; font-family: "Arial","sans-serif"; font-size: 9.0pt;">"The <b style="mso-bidi-font-weight: normal;"><u>rental
increase also coincides with landlords reacting to the new taxation rules around
investment property, and firmly fixing their focus on improving the operating
return from rents.</u></b><u>"</u></span></div>
<div style="line-height: 13.5pt; margin-bottom: 3.0pt; margin-left: 0in; margin-right: 0in; margin-top: 6.0pt;">
<span style="color: #333333; font-family: "Arial","sans-serif"; font-size: 9.0pt;">New listings were also up 5.5% on the month, though down 7.3% on
year-earlier levels.</span></div>
<div style="line-height: 13.5pt; margin-bottom: 3.0pt; margin-left: 0in; margin-right: 0in; margin-top: 6.0pt;">
<span style="color: #333333; font-family: "Arial","sans-serif"; font-size: 9.0pt;">Total listings declined 2.7% from February, and are down 7.3% on
year-earlier levels.</span></div>
<div style="line-height: 13.5pt; margin-bottom: 3.0pt; margin-left: 0in; margin-right: 0in; margin-top: 6.0pt;">
<b style="mso-bidi-font-weight: normal;"><span style="color: #333333; font-family: "Arial","sans-serif"; font-size: 9.0pt;">Average
selling price was upbecause ofhigh number of very expensive property sales.</span></b></div>
<div style="line-height: 13.5pt; margin-bottom: 3.0pt; margin-left: 0in; margin-right: 0in; margin-top: 6.0pt;">
<span style="color: #333333; font-family: "Arial","sans-serif"; font-size: 9.0pt;">"Barfoot& Thompson sold <b style="mso-bidi-font-weight: normal;"><u>14 homes valued at more than $2 million in the month</u></b>, which
compares with <b style="mso-bidi-font-weight: normal;"><u>four in March 2010</u></b>.
Furthermore, there were <b style="mso-bidi-font-weight: normal;"><u>89 sales over
$1 million</u></b>, which is the <b style="mso-bidi-font-weight: normal;"><u>highest
level sinceMarch 2007</u></b>," the report said.</span></div>
<div style="line-height: 13.5pt; margin-bottom: 3.0pt; margin-left: 0in; margin-right: 0in; margin-top: 6.0pt;">
<span style="color: #333333; font-family: "Arial","sans-serif"; font-size: 9.0pt;">The company cited demand issues for the rise in prices and
rents.</span></div>
<div style="line-height: 13.5pt; margin-bottom: 3.0pt; margin-left: 0in; margin-right: 0in; margin-top: 6.0pt;">
<span style="color: #333333; font-family: "Arial","sans-serif"; font-size: 9.0pt;">"The <b style="mso-bidi-font-weight: normal;"><u>big lift in
average rent shows thatdemand for property to rent is high</u></b>. </span></div>
<div style="line-height: 13.5pt; margin-bottom: 3.0pt; margin-left: 0in; margin-right: 0in; margin-top: 6.0pt;">
<span style="color: #333333; font-family: "Arial","sans-serif"; font-size: 9.0pt;">We <b style="mso-bidi-font-weight: normal;"><u>expect that rents
will remain high over the year ahead, as demand remains high, and the low level
of construction over recent years limits the overall housing stock."</u></b></span></div>
<div style="line-height: 13.5pt; margin-bottom: 3.0pt; margin-left: 0in; margin-right: 0in; margin-top: 6.0pt;">
<b style="mso-bidi-font-weight: normal;"><u><span style="color: #333333; font-family: "Arial","sans-serif"; font-size: 9.0pt;">Westpac
said</span></u></b><span style="color: #333333; font-family: "Arial","sans-serif"; font-size: 9.0pt;"> that while rent averages can be a volatile measure, "the
latest result indicates that the anecdotes of ‘<b style="mso-bidi-font-weight: normal;"><u>rental market madness' in Auckland</u></b> may have more substance
than we thought."</span></div>
<div style="line-height: 13.5pt; margin-bottom: 3.0pt; margin-left: 0in; margin-right: 0in; margin-top: 6.0pt;">
<b style="mso-bidi-font-weight: normal;"><u><span style="color: #333333; font-family: "Arial","sans-serif"; font-size: 9.0pt;">Thompson
said that despite the rise in prices, he didn't believe another housing market
bubble was forming.</span></u></b><span style="color: #333333; font-family: "Arial","sans-serif"; font-size: 9.0pt;">"<b style="mso-bidi-font-weight: normal;"><u>Rather,
March may represent when confidence returned to the Auckland housing market
with values stabilising</u></b>."</span></div>
<div style="line-height: 13.5pt; margin-bottom: 3.0pt; margin-left: 0in; margin-right: 0in; margin-top: 6.0pt;">
<b style="mso-bidi-font-weight: normal;"><span style="color: #333333; font-family: "Arial","sans-serif"; font-size: 9.0pt;">IF YOU
HAVE NOT YET BOUGHT YOUR FAMILY HOME- IT MAY BE A GOOD TIME NOW-</span></b></div>
<div class="MsoListParagraphCxSpFirst" style="mso-list: l0 level1 lfo1; text-indent: -.25in;">
<span class="apple-style-span"><span style="color: #333333; font-family: Symbol; font-size: 9.0pt; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span></span><span class="apple-style-span"><b style="mso-bidi-font-weight: normal;"><span style="color: #333333; font-family: "Arial","sans-serif"; font-size: 9.0pt;">LOOK AT 95% BORROWING – YOU REQUIRE ONLY 5%
(SAVED OVER 4-6 MONTHS)AND <span style="mso-spacerun: yes;"> </span>YOU CAN
INCLUDE KIWISAVER CONTRIBUTIONS( YOUR CONTRIBUTION + EMPLOYER CONTRIBUTION+ MAY
BE ELIGIBLE FOR A GOVT. SUBSIDY OF UP TO $5K)</span></b></span></div>
<div class="MsoListParagraphCxSpMiddle">
<br /></div>
<div class="MsoListParagraphCxSpMiddle" style="mso-list: l0 level1 lfo1; text-indent: -.25in;">
<span class="apple-style-span"><span style="color: #333333; font-family: Symbol; font-size: 9.0pt; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span></span><span class="apple-style-span"><b style="mso-bidi-font-weight: normal;"><span style="color: #333333; font-family: "Arial","sans-serif"; font-size: 9.0pt;">STRONG AND STEADY WORK HISTORY<span style="mso-spacerun: yes;"> </span>-<span style="mso-spacerun: yes;"> </span>GOOD
BANK ACCOUNT CONDUCT</span></b></span></div>
<div class="MsoListParagraphCxSpMiddle">
<br /></div>
<div class="MsoListParagraphCxSpMiddle" style="mso-list: l0 level1 lfo1; text-indent: -.25in;">
<span class="apple-style-span"><span style="color: #333333; font-family: Symbol; font-size: 9.0pt; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span></span><span class="apple-style-span"><b style="mso-bidi-font-weight: normal;"><span style="color: #333333; font-family: "Arial","sans-serif"; font-size: 9.0pt;">LITTLE OR NO EXTERNAL DEBT<span style="mso-spacerun: yes;"> </span>-<span style="mso-spacerun: yes;">
</span>CLEAN CRA FILE</span></b></span></div>
<div class="MsoListParagraphCxSpMiddle">
<br /></div>
<div class="MsoListParagraphCxSpMiddle" style="mso-list: l0 level1 lfo1; text-indent: -.25in;">
<span class="apple-style-span"><span style="color: #333333; font-family: Symbol; font-size: 9.0pt; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span></span><span class="apple-style-span"><b style="mso-bidi-font-weight: normal;"><span style="color: #333333; font-family: "Arial","sans-serif"; font-size: 9.0pt;">ONLY BASE INCOME INCLUDED – NO BONUS OR
OVERTIME</span></b></span></div>
<div class="MsoListParagraphCxSpMiddle">
<br /></div>
<div class="MsoListParagraphCxSpMiddle" style="mso-list: l0 level1 lfo1; text-indent: -.25in;">
<span class="apple-style-span"><span style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span></span><span class="apple-style-span"><b style="mso-bidi-font-weight: normal;"><span style="color: #333333; font-family: "Arial","sans-serif"; font-size: 9.0pt;">CAN GET 30 YEARS BUT I WOULD ADVISE AGAINST
THIS TERM</span></b></span></div>
<div class="MsoListParagraphCxSpMiddle">
<br /></div>
<div class="MsoListParagraphCxSpMiddle" style="mso-list: l0 level1 lfo1; text-indent: -.25in;">
<span class="apple-style-span"><span style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span></span><span class="apple-style-span"><b style="mso-bidi-font-weight: normal;"><span style="color: #333333; font-family: "Arial","sans-serif"; font-size: 9.0pt;">JOINT APPLICATION POSSIBLE – CRITERIA AND
TERMS APPLY</span></b></span></div>
<div class="MsoListParagraphCxSpMiddle">
<br /></div>
<div class="MsoListParagraphCxSpMiddle" style="mso-list: l0 level1 lfo1; text-indent: -.25in;">
<a href="" name="_GoBack"></a><span class="apple-style-span"><span style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span></span><span class="apple-style-span"><b style="mso-bidi-font-weight: normal;"><span style="color: #333333; font-family: "Arial","sans-serif"; font-size: 9.0pt;">MINIMUM INCOME CRITERIA APPLIES WITH
DIFFERENT LENDERS</span></b></span></div>
<div class="MsoListParagraphCxSpLast" style="mso-list: l0 level1 lfo1; text-indent: -.25in;">
<span style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span class="apple-style-span"><b style="mso-bidi-font-weight: normal;"><span style="color: #333333; font-family: "Arial","sans-serif"; font-size: 9.0pt;">MINIMUM SURPLUS CRITERIA APPLIES WITH
DIFFERENT LENDERS</span></b></span></div>
Mortgage Mantrahttp://www.blogger.com/profile/13674347000250569912noreply@blogger.com0tag:blogger.com,1999:blog-2834030192867962529.post-61022025607019969342011-10-10T04:40:00.001-07:002011-10-10T04:40:34.897-07:00Review Your Current Situation<!--[if gte mso 9]><xml>
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<div class="MsoNormal">
<u><span style="text-decoration: none;"></span></u>WHEN DO YOU VISIT YOUR DOCTOR,SOLICITOR AND ACCOUNTANT?</div>
<div class="MsoNormal">
TO DISCUSS A HEALTH CONDITION OR A LEGAL PROBLEM.</div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
SOME OF US EXPERIENCE PROBLEMS WITH OUR FINANCES BECAUSE:</div>
<div class="MsoListParagraphCxSpFirst" style="mso-list: l2 level1 lfo1; text-indent: -.25in;">
<span style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span>JOBS ARE LOST – REDUNDANCY COVER</div>
<div class="MsoListParagraphCxSpMiddle" style="mso-list: l2 level1 lfo1; text-indent: -.25in;">
<span style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span>DROP IN INCOME/S – 2<sup>ND</sup> JOB OR CHANGE
JOB</div>
<div class="MsoListParagraphCxSpMiddle" style="mso-list: l2 level1 lfo1; text-indent: -.25in;">
<span style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span>ILL & UNABLE TO WORK- MORTGAGE / INCOME
PROTECTION </div>
<div class="MsoListParagraphCxSpMiddle" style="mso-list: l2 level1 lfo1; text-indent: -.25in;">
<span style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span>TENANT NOT PAYING RENT ON TIME –</div>
<div class="MsoListParagraphCxSpLast" style="mso-list: l2 level1 lfo1; text-indent: -.25in;">
<span style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span>HAVE NOT PREPARED/BUDGETED FOR INTEREST RATE
INCREASE </div>
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(ESPECIALLY DIFFICULT WHEN A JOB IS ALSO LOST SIMULTANEOUSLY)</div>
<div class="MsoListParagraphCxSpFirst" style="mso-list: l1 level1 lfo2; text-indent: -.25in;">
<span style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span>BORROWED BEYOND OUR REPAYMENT ABILITY ELSEWHERE</div>
<div class="MsoListParagraphCxSpMiddle" style="mso-list: l1 level1 lfo2; text-indent: -.25in;">
<span style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span>FAMILY SITUATION IS NOW DIFFERENT – FAMILY HAS
SPLIT OR A BREAD-WINNER IS NOW LIVING SEPARATELY</div>
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<br /></div>
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WHAT ARE THE OPTIONS?</div>
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<span style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span>DISCUSS SITUATION WITH FAMILY & TRUSTED
FRIENDS – ASK FOR HELP</div>
<div class="MsoListParagraphCxSpMiddle" style="mso-list: l0 level1 lfo3; text-indent: -.25in;">
<span style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span>TALK TO BROKER/LENDER-ASK FOR HELP</div>
<div class="MsoListParagraphCxSpMiddle" style="mso-list: l0 level1 lfo3; text-indent: -.25in;">
<span style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span>CHECK OPTIONS ON LOAN – </div>
<div class="MsoListParagraphCxSpMiddle" style="mso-list: l0 level1 lfo3; text-indent: -.25in;">
<span style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span>INTEREST ONLY, LOAN REPAYMENT HOLIDAY,TERM OF
LOAN(LAST)</div>
<div class="MsoListParagraphCxSpMiddle" style="mso-list: l0 level1 lfo3; text-indent: -.25in;">
<span style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span>LOOK FOR ADDITIONAL INCOME SOURCE/S</div>
<div class="MsoListParagraphCxSpMiddle" style="mso-list: l0 level1 lfo3; text-indent: -.25in;">
<span style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span>DO A 2<sup>ND</sup> AND/OR 3<sup>RD</sup> JOB</div>
<div class="MsoListParagraphCxSpMiddle" style="mso-list: l0 level1 lfo3; text-indent: -.25in;">
<span style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span>TAKE ON A BOARDER</div>
<div class="MsoListParagraphCxSpMiddle" style="mso-list: l0 level1 lfo3; text-indent: -.25in;">
<span style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span>CONSOLIDATE ALL BORROWINGS WITH HOME LOAN,IF
POSSIBLE</div>
<div class="MsoListParagraphCxSpMiddle" style="mso-list: l0 level1 lfo3; text-indent: -.25in;">
<span style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span>CANCEL ALL HOLIDAYS & OTHER UNIMPORTANT
SPENDING</div>
<div class="MsoListParagraphCxSpMiddle" style="mso-list: l0 level1 lfo3; text-indent: -.25in;">
<span style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span>REVIEW BUDGET AT HOME – SKY/VISION/EATING OUT/CLOTHING…BUT
PLEASE DO NOT CUT BACK ON INSURANCES</div>
<div class="MsoListParagraphCxSpLast" style="mso-list: l0 level1 lfo3; text-indent: -.25in;">
<span style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span>STOP BORROWING ELSEWHERE</div>
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<br /></div>
<div class="MsoNormal">
IF ALL AVAILABLE OPTIONS HAVE BEEN INVESTIGATED AND NO
SOLUTION IS IN SIGHT, SELL BEFORE THE BANK SELLS….MORTGAGEE</div>
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<br /></div>
<div class="MsoNormal">
IF YOU DO NOT ASK FOR HELP, YOU WILL NOT GET ANY HELP</div>
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<br /></div>
<div align="center" class="MsoNormal" style="text-align: center;">
BUDGET</div>
<div align="center" class="MsoNormal" style="text-align: center;">
BUDGET</div>
<div align="center" class="MsoNormal" style="text-align: center;">
BUDGET</div>
<div align="center" class="MsoNormal" style="text-align: center;">
<br /></div>
<div align="center" class="MsoNormal" style="text-align: center;">
CHECK BUDGET WEEKLY
& MONTHLY</div>
<div align="center" class="MsoNormal" style="text-align: center;">
CHECK BUDGET BEFORE
SPENDING<a href="" name="_GoBack"></a></div>
Mortgage Mantrahttp://www.blogger.com/profile/13674347000250569912noreply@blogger.com0tag:blogger.com,1999:blog-2834030192867962529.post-30525084016233254362011-10-10T04:39:00.001-07:002011-10-10T04:39:18.504-07:00Plan Your Mortgage<!--[if gte mso 9]><xml>
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<br />
<div style="line-height: 19.2pt; margin: 0in 0in 0.0001pt;">
<span style="font-size: small;"><span style="font-family: "Helvetica","sans-serif";">What if you could
pay off your 30 year mortgage in 25 years or 20 years or 15 years or even 10?</span></span></div>
<div style="line-height: 19.2pt; margin: 0in 0in 0.0001pt;">
<span style="font-size: small;"><span style="font-family: "Helvetica","sans-serif";">Everyone wants to
be debt-free; it is the time frame that makes it so challenging and difficult.</span></span></div>
<div style="line-height: 19.2pt; margin: 0in 0in 0.0001pt;">
<br /></div>
<div style="line-height: 19.2pt; margin: 0in 0in 0.0001pt;">
<span style="font-size: small;"><b><u><span style="font-family: "Helvetica","sans-serif";">It’s easier than you think</span></u></b><b><span style="font-family: "Helvetica","sans-serif";">. <u>However, most people won’t achieve it
because they fail to set goals or take action.</u></span></b></span></div>
<div style="line-height: 19.2pt; margin: 0in 0in 0.0001pt;">
<br /></div>
<div style="line-height: 19.2pt; margin: 0in 0in 0.0001pt;">
<span style="font-size: small;"><span style="font-family: "Helvetica","sans-serif";">Most of us end up
working for our mortgage.</span></span></div>
<div style="line-height: 19.2pt; margin: 0in 0in 0.0001pt;">
<span style="font-size: small;"><b><u><span style="font-family: "Helvetica","sans-serif";">We are busymanaging our debt andbuying
stuff that will break or be out-of-date in a year.</span></u></b></span></div>
<div style="line-height: 19.2pt; margin: 0in 0in 0.0001pt;">
<br /></div>
<div style="line-height: 19.2pt; margin: 0in 0in 0.0001pt;">
<span style="font-size: small;"><span style="font-family: "Helvetica","sans-serif";">The easiest your
mortgage will ever look is just before you buy. </span></span></div>
<div style="line-height: 19.2pt; margin: 0in 0in 0.0001pt;">
<span style="font-size: small;"><span style="font-family: "Helvetica","sans-serif";">Once you move in
with your mortgage, reality sets in fast. </span></span></div>
<div style="line-height: 19.2pt; margin: 0in 0in 0.0001pt;">
<span style="font-size: small;"><b><span style="font-family: "Helvetica","sans-serif";">The budget you did (as you planned new paint colours
and new furnishings + the new 50 inch TV) begins to look extremely optimistic</span></b><span style="font-family: "Helvetica","sans-serif";">!</span></span></div>
<div style="line-height: 19.2pt; margin: 0in 0in 0.0001pt;">
<span style="font-size: small;"><span style="font-family: "Helvetica","sans-serif";">Banks want you to
repay your mortgage andthink that they can figure out how much you can really
afford. They do not know what you have planned for after taking on the
mortgage.</span></span></div>
<div style="line-height: 19.2pt; margin: 0in 0in 0.0001pt;">
<span style="font-size: small;"><span style="font-family: "Helvetica","sans-serif";">Budgetingneed not
be difficult. A simple short cut is to look at your rent and savings.</span></span></div>
<div style="line-height: 19.2pt; margin: 0in 0in 0.0001pt;">
<br /></div>
<div style="line-height: 19.2pt; margin: 0in 0in 0.0001pt;">
<span style="font-size: small;"><b><span style="font-family: "Helvetica","sans-serif";">For example, $500 per week in rent and $1,000 per
month in savings is equivalent to the repayments on a mortgage of $430,000 at
an interest rate of 7.50%.</span></b></span></div>
<div style="line-height: 19.2pt; margin: 0in 0in 0.0001pt;">
<br /></div>
<div style="line-height: 19.2pt; margin: 0in 0in 0.0001pt;">
<span style="font-size: small;"><b><span style="font-family: "Helvetica","sans-serif";">When you apply for finance the process is backward
looking. The focus is on demonstrating that you can pay the mortgage. Looking
backward however ignores the traps that can lie ahead. </span></b></span></div>
<div style="line-height: 19.2pt; margin: 0in 0in 0.0001pt;">
<br /></div>
<div style="line-height: 19.2pt; margin: 0in 0in 0.0001pt;">
<span style="font-size: small;"><b><span style="font-family: "Helvetica","sans-serif";">Think of the new paint + furnishings+TV + new car
that you had thought of but never put down in your budget.</span></b></span></div>
<div style="line-height: 19.2pt; margin: 0in 0in 0.0001pt;">
<br /></div>
<div style="line-height: 19.2pt; margin: 0in 0in 0.0001pt;">
<span style="font-size: small;"><b><span style="font-family: "Helvetica","sans-serif";">However if you plan ahead, this can be incorporated
into your mortgage planning. </span></b></span></div>
<div style="line-height: 19.2pt; margin: 0in 0in 0.0001pt;">
<br /></div>
<div style="line-height: 19.2pt; margin: 0in 0in 0.0001pt;">
<span style="font-size: small;"><span style="font-family: "Helvetica","sans-serif";">At Mortgage
Mantra we do that by sitting with you and looking at how quickly we can reduce
the mortgage to a point where you can afford it on one income.</span></span></div>
<div align="center" style="line-height: 19.2pt; margin: 0in 0in 0.0001pt; text-align: center;">
<span style="font-size: small;"><b><u><span style="font-family: "Helvetica","sans-serif";">OR</span></u></b></span></div>
<div style="line-height: 19.2pt; margin: 0in 0in 0.0001pt;">
<span style="font-size: small;"><span style="font-family: "Helvetica","sans-serif";">Wecan help you
build a savings buffer you can use. If you can plan that into your mortgage
from the start then it becomes easy.</span></span></div>
<div style="line-height: 19.2pt; margin: 0in 0in 0.0001pt;">
<span style="font-size: small;"><span style="font-family: "Helvetica","sans-serif";">The other option
would be to only borrow what you can afford on one income, but how realistic is
that? In Auckland the borrowing power of one income will get you somethingin a
“socially challenging” part of town.</span></span></div>
<div style="line-height: 19.2pt; margin: 0in 0in 0.0001pt;">
<br /></div>
<div style="line-height: 19.2pt; margin: 0in 0in 0.0001pt;">
<span style="font-size: small;"><span style="font-family: "Helvetica","sans-serif";">No matter what
your circumstances, or what you’re planning on doing, the mortgage is always
the elephant in the room. </span></span></div>
<div style="line-height: 19.2pt; margin: 0in 0in 0.0001pt;">
<br /></div>
<div style="line-height: 19.2pt; margin: 0in 0in 0.0001pt;">
<span style="font-size: small;"><b><span style="font-family: "Helvetica","sans-serif";">One
simple rule that will get you ahead is to pay a bit extra, even if that is only
$50 per week. On a $400,000 mortgage paying an extra $50 per week will drop 4
years off your mortgage and save you $79,000 in interest</span></b><span style="font-family: "Helvetica","sans-serif";">.</span></span></div>
<div style="line-height: 19.2pt; margin: 0in 0in 0.0001pt;">
<br /></div>
<div style="line-height: 19.2pt; margin: 0in 0in 0.0001pt;">
<span style="font-size: small;"><span style="font-family: "Helvetica","sans-serif";">Even better, you
can hammer your mortgage by feeding it half of any future salary
increases. Wage inflation is typically running at about 3 %(?????)And
your income tends to increase faster than this with age and experience. This
approach is painless because you haven’t had a chance to spend it yet!If every
year you give up 50% of any wage increase to the mortgage you will take approximately
8 years off your mortgage.</span></span></div>
<div style="line-height: 19.2pt; margin: 0in 0in 0.0001pt;">
<br /></div>
<div style="line-height: 19.2pt; margin: 0in 0in 0.0001pt;">
<span style="font-size: small;"><b><span style="font-family: "Helvetica","sans-serif";">So almost all homeowners can pay off their mortgage
in less than 15 years, it just requires a bit of planning and action. It does
not require a magician who will charge you thousands of dollars.</span></b><span style="font-family: "Helvetica","sans-serif";"></span></span></div>
Mortgage Mantrahttp://www.blogger.com/profile/13674347000250569912noreply@blogger.com0tag:blogger.com,1999:blog-2834030192867962529.post-12891219801420545312011-10-10T04:38:00.002-07:002011-10-10T04:38:44.095-07:00Paying Debt is Best Bet<!--[if gte mso 9]><xml>
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<b style="mso-bidi-font-weight: normal;"><u><span style="color: black; font-family: "Lucida Sans Unicode","sans-serif"; font-size: 10.0pt; mso-font-kerning: 18.0pt;">Paying debt best bet - usually</span></u></b></div>
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<b style="mso-bidi-font-weight: normal;"><span style="font-size: 10.0pt;">WE DO NEED TO SAVE…THERE IS NO DEBATE ABOUT THIS</span></b>.</div>
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<br /></div>
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<span class="apple-style-span"><b><span style="color: black; font-family: "Lucida Sans Unicode","sans-serif"; font-size: 10.0pt;">pay down your
debt" (thereby reducing net liabilities), before committing to medium- and
long-term saving for retirement, or in continuing contributions to KiwiSaver
for your kids after grabbing the $1000 kick-start?</span></b></span></div>
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<br /></div>
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<span class="apple-style-span"><b><span style="color: black; font-family: "Lucida Sans Unicode","sans-serif"; font-size: 10.0pt;">IT IS IMPORTANT TO
PAY DOWN YOUR MORTGAGE. NO DEBATE.</span></b></span></div>
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<br /></div>
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<span class="apple-style-span"><b><span style="color: black; font-family: "Lucida Sans Unicode","sans-serif"; font-size: 10.0pt;">BUT IF YOU HAVE
OTHER DEBTS ALONGSIDE WHICH ARE AT HIGHER INTEREST RATES, WHAT DO YOU DO? Examples
include personal loans, hp, credit card debts, and car loans are examples of
high costs.PAY THE HIGHER RATE DEBTS FIRST OR CONSOLIDATE.</span></b></span></div>
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<br /></div>
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<span class="apple-style-span"><span style="color: black; font-family: "Lucida Sans Unicode","sans-serif"; font-size: 10.0pt;">Over the years debt
repayment could make quite a difference to your liabilities situation and to
individuals' wealth.</span></span></div>
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<br /></div>
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<span class="apple-style-span"><b style="mso-bidi-font-weight: normal;"><span style="color: black; font-family: "Lucida Sans Unicode","sans-serif"; font-size: 9.0pt;">A basic financial "rule" is: pay off debt as fast as
possible - unless you feel confident that you can earn a higher return in an investment
than the interest charged on the debt.</span></b></span></div>
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<br /></div>
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<span class="apple-style-span"><span style="color: black; font-family: "Lucida Sans Unicode","sans-serif"; font-size: 10.0pt;">Paying 6.5 per cent
on a mortgage while earning 3.5 per cent in a savings account leaves you going
backwards. Generally you can't make a return on savings - after fees and tax -
that's higher than mortgage interest rates without taking considerable risk.</span></span></div>
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<br /></div>
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<span class="apple-style-span"><span style="color: black; font-family: "Lucida Sans Unicode","sans-serif"; font-size: 10.0pt;">However, there's an
important exception - KiwiSaver. The scheme's incentives - the $1000
kick-start, tax credits of up to $1043 a year and, for employees, contributions
from employers - boost the return so that for most people it's higher than
mortgage interest rates. If you are worried about risk, you can invest in a
low-risk KiwiSaver fund.</span></span></div>
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<br /></div>
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<span class="apple-style-span"><span style="color: black; font-family: "Lucida Sans Unicode","sans-serif"; font-size: 10.0pt;">It's best for
mortgage holders to contribute just 2 per cent of their pay to KiwiSaver -
topping it up to $1043 a year if necessary, to get the maximum tax credit. Any
further savings are best put into mortgage repayments or other high cost debts.</span></span></div>
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<br /></div>
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<span class="apple-style-span"><span style="color: black; font-family: "Lucida Sans Unicode","sans-serif"; font-size: 10.0pt;">EMERGENCY FUNDS?</span></span></div>
Mortgage Mantrahttp://www.blogger.com/profile/13674347000250569912noreply@blogger.com0tag:blogger.com,1999:blog-2834030192867962529.post-67869735197551506172011-10-10T04:38:00.000-07:002011-10-10T04:38:05.355-07:00Negotiating the Purchace Price<!--[if gte mso 9]><xml>
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<span style="font-size: large;"><b><span>Negotiating
the Purchase Price</span></b></span></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<span style="font-size: small;"><span style="font-family: "Cambria","serif";"> <b><span>It is a buyer’s market. What does that mean when it comes to
negotiating the purchase price? How do you make sure you get a great deal?</span></b> </span></span></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<span style="font-size: small;"><b><span style="font-family: "Cambria","serif";">Negotiating the Price</span></b></span></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<span style="font-size: small;">Price
is property- and vendor-dependent. On one hand, less desirable properties (and
properties requiring a quick sale) are consistently selling for 20% below
historic values. On the other hand, “hot” entry-level properties in good
suburbs appear to be down only about 10%. </span></div>
<div class="MsoNormal">
<span style="font-size: small;">First
things first. Know yourself. It helps to write down your goals and what you are
prepared to negotiate – or not! </span></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<span style="font-size: small;"><b><span style="font-family: "Cambria","serif";">How to Use Time</span></b></span></div>
<ul type="disc">
<li class="MsoNormal"><span style="font-size: small;">Put limited time frames on
offers. </span></li>
<li class="MsoNormal"><span style="font-size: small;"><b><u>You can only have one offer live at a time</u></b>. Let the
agent know that you want to put an offer on another place. </span></li>
<li class="MsoNormal"><span style="font-size: small;">Be cautious about making
unconditional offers (but only if you have finance approved
already). </span></li>
<li class="MsoNormal"><span style="font-size: small;">Do a short settlement. This
can be an emotional benefit to seller (they can “move on”). </span></li>
</ul>
<div class="MsoNormal">
<span style="font-size: small;"><b><span style="font-family: "Cambria","serif";">How to Use Information</span></b></span></div>
<div class="MsoNormal">
<span style="font-size: small;">Information
is all about putting yourself in the vendor’s shoes. Given the vendor’s
situation what would you do? </span></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<span style="font-size: small;"><b><span style="font-family: "Cambria","serif";">How much equity is sitting in the property value? And how much do you
think they would give up? (After all it’s just “paper” profits.) </span></b><b><span style="font-family: "Cambria","serif";"></span></b></span></div>
<div class="MsoNormal">
<span style="font-size: small;">Sellers
will more readily give up profits than suffer a loss. Sellers who have owned
for over seven years (and older sellers) are likely to have substantial profits
built in. If they are upgrading they are likely to have also got a great deal
on their new purchase. </span></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<span style="font-size: small;"><b><span style="font-family: "Cambria","serif";">How keen is the seller? Is the house empty? If so, for how long? Is the
seller moving? Have they purchased somewhere else? Are they going through a
divorce? Has the seller over-committed? Do you think they are in a position to
sit out the current market, if they can’t sell? </span></b><b><span style="font-family: "Cambria","serif";"></span></b></span></div>
<div class="MsoNormal">
<span style="font-size: small;">The
clues to look out for are empty houses, incomplete projects, and properties
without the necessary building consents (for example an unconsented garage.)
Clients that find urgent <a href="" name="_GoBack"></a>sellers and sellers with
“tricky” properties are buying a full 10% lower than other buyers (so 20% or
more below historic values.) </span></div>
<div class="MsoNormal">
<span style="font-size: small;">Some
properties will be harder to get a mortgage on – so these will have limited
potential buyers and are more open to negotiation. These include: bare
land, apartments (generally but especially apartments under 50m<sup>2</sup>),
anything leasehold (but be careful!) and properties without a code of
compliance. </span></div>
<div class="MsoNormal">
<span style="font-size: small;">Sellers
who are selling and buying in this market should obviously sell before they
buy. Talking with experienced investors, you are best to meet the market
quickly and recognize that you’ll win on the other side of the transaction.</span></div>
Mortgage Mantrahttp://www.blogger.com/profile/13674347000250569912noreply@blogger.com0tag:blogger.com,1999:blog-2834030192867962529.post-17642628867272547682011-10-10T04:37:00.000-07:002011-10-10T04:37:09.797-07:00Kiwi Saver<!--[if gte mso 9]><xml>
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<br />
<div class="MsoNormal">
<span style="font-size: small;"><b>KIWI SAVER</b></span></div>
<div class="MsoNormal">
<span style="font-size: small;">Retirement savings scheme / useful for 1<sup>st</sup> home
buyers as well</span></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoListParagraph" style="text-indent: -0.25in;">
<span style="font-size: small;"><span style="font-family: Symbol;"><span>·<span style="-moz-font-feature-settings: normal; -moz-font-language-override: normal; font-family: "Times New Roman"; font-size-adjust: none; font-stretch: normal; font-style: normal; font-variant: normal; font-weight: normal; line-height: normal;">
</span></span></span>OPEN TO ALL NZ CITIZENS/RESIDENTS</span></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoListParagraph" style="text-indent: -0.25in;">
<span style="font-size: small;"><span style="font-family: Symbol;"><span>·<span style="-moz-font-feature-settings: normal; -moz-font-language-override: normal; font-family: "Times New Roman"; font-size-adjust: none; font-stretch: normal; font-style: normal; font-variant: normal; font-weight: normal; line-height: normal;">
</span></span></span>FROM NEW BORNS TO AGE 65</span></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoListParagraph" style="text-indent: -0.25in;">
<span style="font-size: small;"><span style="font-family: Symbol;"><span>·<span style="-moz-font-feature-settings: normal; -moz-font-language-override: normal; font-family: "Times New Roman"; font-size-adjust: none; font-stretch: normal; font-style: normal; font-variant: normal; font-weight: normal; line-height: normal;">
</span></span></span>IF U R UNDER 18,NEED PARENT/GUARDIAN CONSENT</span></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoListParagraph" style="text-indent: -0.25in;">
<span style="font-size: small;"><span style="font-family: Symbol;"><span>·<span style="-moz-font-feature-settings: normal; -moz-font-language-override: normal; font-family: "Times New Roman"; font-size-adjust: none; font-stretch: normal; font-style: normal; font-variant: normal; font-weight: normal; line-height: normal;">
</span></span></span>SHOULD HAVE AN IRD NUMBER</span></div>
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<br /></div>
<div class="MsoListParagraph" style="text-indent: -0.25in;">
<span style="font-size: small;"><span style="font-family: Symbol;"><span>·<span style="-moz-font-feature-settings: normal; -moz-font-language-override: normal; font-family: "Times New Roman"; font-size-adjust: none; font-stretch: normal; font-style: normal; font-variant: normal; font-weight: normal; line-height: normal;">
</span></span></span>KICK-START TAX-FREE AMOUNT OF $1,000 FROM THE
GOVERNMENT</span></div>
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<br /></div>
<div class="MsoListParagraphCxSpFirst" style="text-indent: -0.25in;">
<span style="font-size: small;"><span style="font-family: Symbol;"><span>·<span style="-moz-font-feature-settings: normal; -moz-font-language-override: normal; font-family: "Times New Roman"; font-size-adjust: none; font-stretch: normal; font-style: normal; font-variant: normal; font-weight: normal; line-height: normal;">
</span></span></span>AFTER<span> </span>18,
GOVT. GIVES TAX CREDITS UP TO $1042 P.A./ $20 WKLY</span></div>
<div class="MsoListParagraphCxSpLast">
<span style="font-size: small;">AS LONG AS U CONTRIBUTE $1042 P.A.</span></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoListParagraph" style="text-indent: -0.25in;">
<span style="font-size: small;"><span style="font-family: Symbol;"><span>·<span style="-moz-font-feature-settings: normal; -moz-font-language-override: normal; font-family: "Times New Roman"; font-size-adjust: none; font-stretch: normal; font-style: normal; font-variant: normal; font-weight: normal; line-height: normal;">
</span></span></span>EMPLOYER HAS TO CONTRIBUTE 2% TO MATCH YOUR
CONTRIBUTION</span></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoListParagraphCxSpFirst" style="text-indent: -0.25in;">
<span style="font-size: small;"><span style="font-family: Symbol;"><span>·<span style="-moz-font-feature-settings: normal; -moz-font-language-override: normal; font-family: "Times New Roman"; font-size-adjust: none; font-stretch: normal; font-style: normal; font-variant: normal; font-weight: normal; line-height: normal;">
</span></span></span>1ST HOME DEP SUBSIDY AFTER 3 YEARS CONTRIBUTIONS-$1K
P.A.</span></div>
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<br /></div>
<div class="MsoListParagraphCxSpLast" style="text-indent: -0.25in;">
<span style="font-size: small;"><span style="font-family: Symbol;"><span>·<span style="-moz-font-feature-settings: normal; -moz-font-language-override: normal; font-family: "Times New Roman"; font-size-adjust: none; font-stretch: normal; font-style: normal; font-variant: normal; font-weight: normal; line-height: normal;">
</span></span></span>UP TO $5,000 1<sup>ST</sup> HOME SUBSIDY AFTER
CONTRIBUTING 5 YEARS</span></div>
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<br /></div>
<div class="MsoListParagraphCxSpFirst" style="text-indent: -0.25in;">
<span style="font-size: small;"><span style="font-family: Symbol;"><span>·<span style="-moz-font-feature-settings: normal; -moz-font-language-override: normal; font-family: "Times New Roman"; font-size-adjust: none; font-stretch: normal; font-style: normal; font-variant: normal; font-weight: normal; line-height: normal;">
</span></span></span>FIRST HOME SAVINGS WITHDRAWAL</span></div>
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<br /></div>
<div class="MsoListParagraphCxSpMiddle" style="text-indent: -0.25in;">
<span style="font-size: small;"><span style="font-family: Symbol;"><span>·<span style="-moz-font-feature-settings: normal; -moz-font-language-override: normal; font-family: "Times New Roman"; font-size-adjust: none; font-stretch: normal; font-style: normal; font-variant: normal; font-weight: normal; line-height: normal;">
</span></span></span>AUTOMATICALLY ENROLLED BY EMPLOYER IF NOT MEMBER</span></div>
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<br /></div>
<div class="MsoListParagraphCxSpMiddle" style="text-indent: -0.25in;">
<span style="font-size: small;"><span style="font-family: Symbol;"><span>·<span style="-moz-font-feature-settings: normal; -moz-font-language-override: normal; font-family: "Times New Roman"; font-size-adjust: none; font-stretch: normal; font-style: normal; font-variant: normal; font-weight: normal; line-height: normal;">
</span></span></span>IF NOT EMPLOYED,U CAN MAKE REGULAR OR LUMP-SUM
CONTRIBUTIONS</span></div>
<div class="MsoListParagraphCxSpMiddle">
<br /></div>
<div class="MsoListParagraphCxSpMiddle" style="text-indent: -0.25in;">
<span style="font-size: small;"><span style="font-family: Symbol;"><span>·<span style="-moz-font-feature-settings: normal; -moz-font-language-override: normal; font-family: "Times New Roman"; font-size-adjust: none; font-stretch: normal; font-style: normal; font-variant: normal; font-weight: normal; line-height: normal;">
</span></span></span>IF SELF-EMPLOYED, U CAN STILL ENROL AND MAKE
YOUR CONTRIBUTIONS & GET TAX CREDITS UP TO $1042 P.A.</span></div>
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<br /></div>
<div class="MsoListParagraphCxSpLast" style="background: #FFEDBB; mso-list: l1 level1 lfo1; mso-outline-level: 3; text-indent: -.25in;">
<span style="color: #556677; font-family: Symbol; font-size: 9.0pt; mso-bidi-font-family: Symbol; mso-bidi-font-weight: bold; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><b><span style="color: #556677; font-family: "Arial","sans-serif"; font-size: 9.0pt;">Starting on taxable pay of $45,000, from
age 40 until 65:</span></b></div>
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<b><span style="color: white;">Employee KiwiSaver
contributions</span></b></div>
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<b><span style="color: white;">2%</span></b></div>
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<b><span style="color: white;">4%</span></b></div>
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<b><span style="color: white;">8%</span></b></div>
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<a href="http://www.sorted.org.nz/calculators/kiwisaver-quick-calc/page2.php#total_nominal"><span style="color: #991f00;">Total you will have saved at</span><span style="color: #991f00; text-decoration: none; text-underline: none;"> </span><span style="color: #991f00;">65</span><span style="color: #991f00; text-decoration: none; text-underline: none;"> </span><span style="color: #991f00;">(in
nominal dollars)</span></a></div>
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$202,857</div>
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$275,773</div>
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$418,680</div>
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</tr>
<tr style="mso-yfti-irow: 2;">
<td style="background: #FFF6DD; border-top: none; border: solid #FFFCF5 1.0pt; mso-border-alt: solid #FFFCF5 .75pt; mso-border-top-alt: solid #FFFCF5 .75pt; padding: 3.75pt 7.5pt 3.75pt 7.5pt;">
<div class="MsoNormal">
<a href="http://www.sorted.org.nz/calculators/kiwisaver-quick-calc/page2.php#total_todays"><span style="color: #991f00;">Total you will have saved at</span><span style="color: #991f00; text-decoration: none; text-underline: none;"> </span><span style="color: #991f00;">65</span><span style="color: #991f00; text-decoration: none; text-underline: none;"> </span><span style="color: #991f00;">(in
today's dollars)</span></a></div>
</td>
<td style="background: #FFF6DD; border-bottom: solid #FFFCF5 1.0pt; border-left: none; border-right: solid #FFFCF5 1.0pt; border-top: none; mso-border-alt: solid #FFFCF5 .75pt; mso-border-left-alt: solid #FFFCF5 .75pt; mso-border-top-alt: solid #FFFCF5 .75pt; padding: 3.75pt 7.5pt 3.75pt 7.5pt;">
<div align="right" class="MsoNormal" style="text-align: right;">
$123,648</div>
</td>
<td style="background: #FFF6DD; border-bottom: solid #FFFCF5 1.0pt; border-left: none; border-right: solid #FFFCF5 1.0pt; border-top: none; mso-border-alt: solid #FFFCF5 .75pt; mso-border-left-alt: solid #FFFCF5 .75pt; mso-border-top-alt: solid #FFFCF5 .75pt; padding: 3.75pt 7.5pt 3.75pt 7.5pt;">
<div align="right" class="MsoNormal" style="text-align: right;">
$168,092</div>
</td>
<td style="background: #FFF6DD; border-bottom: solid #FFFCF5 1.0pt; border-left: none; border-right: solid #FFFCF5 1.0pt; border-top: none; mso-border-alt: solid #FFFCF5 .75pt; mso-border-left-alt: solid #FFFCF5 .75pt; mso-border-top-alt: solid #FFFCF5 .75pt; padding: 3.75pt 7.5pt 3.75pt 7.5pt;">
<div align="right" class="MsoNormal" style="text-align: right;">
$255,198</div>
</td>
</tr>
<tr style="mso-yfti-irow: 3;">
<td style="background: #FFF6DD; border-top: none; border: solid #FFFCF5 1.0pt; mso-border-alt: solid #FFFCF5 .75pt; mso-border-top-alt: solid #FFFCF5 .75pt; padding: 3.75pt 7.5pt 3.75pt 7.5pt;">
<div class="MsoNormal">
Amount you will invest weekly in first year</div>
</td>
<td style="background: #FFF6DD; border-bottom: solid #FFFCF5 1.0pt; border-left: none; border-right: solid #FFFCF5 1.0pt; border-top: none; mso-border-alt: solid #FFFCF5 .75pt; mso-border-left-alt: solid #FFFCF5 .75pt; mso-border-top-alt: solid #FFFCF5 .75pt; padding: 3.75pt 7.5pt 3.75pt 7.5pt;">
<div align="right" class="MsoNormal" style="text-align: right;">
$17</div>
</td>
<td style="background: #FFF6DD; border-bottom: solid #FFFCF5 1.0pt; border-left: none; border-right: solid #FFFCF5 1.0pt; border-top: none; mso-border-alt: solid #FFFCF5 .75pt; mso-border-left-alt: solid #FFFCF5 .75pt; mso-border-top-alt: solid #FFFCF5 .75pt; padding: 3.75pt 7.5pt 3.75pt 7.5pt;">
<div align="right" class="MsoNormal" style="text-align: right;">
$35</div>
</td>
<td style="background: #FFF6DD; border-bottom: solid #FFFCF5 1.0pt; border-left: none; border-right: solid #FFFCF5 1.0pt; border-top: none; mso-border-alt: solid #FFFCF5 .75pt; mso-border-left-alt: solid #FFFCF5 .75pt; mso-border-top-alt: solid #FFFCF5 .75pt; padding: 3.75pt 7.5pt 3.75pt 7.5pt;">
<div align="right" class="MsoNormal" style="text-align: right;">
$69</div>
</td>
</tr>
<tr style="mso-yfti-irow: 4;">
<td style="background: #FFF6DD; border-top: none; border: solid #FFFCF5 1.0pt; mso-border-alt: solid #FFFCF5 .75pt; mso-border-top-alt: solid #FFFCF5 .75pt; padding: 3.75pt 7.5pt 3.75pt 7.5pt;">
<div class="MsoNormal">
Employer weekly contributions</div>
</td>
<td style="background: #FFF6DD; border-bottom: solid #FFFCF5 1.0pt; border-left: none; border-right: solid #FFFCF5 1.0pt; border-top: none; mso-border-alt: solid #FFFCF5 .75pt; mso-border-left-alt: solid #FFFCF5 .75pt; mso-border-top-alt: solid #FFFCF5 .75pt; padding: 3.75pt 7.5pt 3.75pt 7.5pt;">
<div align="right" class="MsoNormal" style="text-align: right;">
$17</div>
</td>
<td style="background: #FFF6DD; border-bottom: solid #FFFCF5 1.0pt; border-left: none; border-right: solid #FFFCF5 1.0pt; border-top: none; mso-border-alt: solid #FFFCF5 .75pt; mso-border-left-alt: solid #FFFCF5 .75pt; mso-border-top-alt: solid #FFFCF5 .75pt; padding: 3.75pt 7.5pt 3.75pt 7.5pt;">
<div align="right" class="MsoNormal" style="text-align: right;">
$17</div>
</td>
<td style="background: #FFF6DD; border-bottom: solid #FFFCF5 1.0pt; border-left: none; border-right: solid #FFFCF5 1.0pt; border-top: none; mso-border-alt: solid #FFFCF5 .75pt; mso-border-left-alt: solid #FFFCF5 .75pt; mso-border-top-alt: solid #FFFCF5 .75pt; padding: 3.75pt 7.5pt 3.75pt 7.5pt;">
<div align="right" class="MsoNormal" style="text-align: right;">
$17</div>
</td>
</tr>
<tr style="mso-yfti-irow: 5;">
<td style="background: #FFF6DD; border-top: none; border: solid #FFFCF5 1.0pt; mso-border-alt: solid #FFFCF5 .75pt; mso-border-top-alt: solid #FFFCF5 .75pt; padding: 3.75pt 7.5pt 3.75pt 7.5pt;">
<div class="MsoNormal">
Tax credits in first year (paid on 1 July)</div>
</td>
<td style="background: #FFF6DD; border-bottom: solid #FFFCF5 1.0pt; border-left: none; border-right: solid #FFFCF5 1.0pt; border-top: none; mso-border-alt: solid #FFFCF5 .75pt; mso-border-left-alt: solid #FFFCF5 .75pt; mso-border-top-alt: solid #FFFCF5 .75pt; padding: 3.75pt 7.5pt 3.75pt 7.5pt;">
<div align="right" class="MsoNormal" style="text-align: right;">
$640</div>
</td>
<td style="background: #FFF6DD; border-bottom: solid #FFFCF5 1.0pt; border-left: none; border-right: solid #FFFCF5 1.0pt; border-top: none; mso-border-alt: solid #FFFCF5 .75pt; mso-border-left-alt: solid #FFFCF5 .75pt; mso-border-top-alt: solid #FFFCF5 .75pt; padding: 3.75pt 7.5pt 3.75pt 7.5pt;">
<div align="right" class="MsoNormal" style="text-align: right;">
$742</div>
</td>
<td style="background: #FFF6DD; border-bottom: solid #FFFCF5 1.0pt; border-left: none; border-right: solid #FFFCF5 1.0pt; border-top: none; mso-border-alt: solid #FFFCF5 .75pt; mso-border-left-alt: solid #FFFCF5 .75pt; mso-border-top-alt: solid #FFFCF5 .75pt; padding: 3.75pt 7.5pt 3.75pt 7.5pt;">
<div align="right" class="MsoNormal" style="text-align: right;">
$742</div>
</td>
</tr>
<tr style="mso-yfti-irow: 6; mso-yfti-lastrow: yes;">
<td style="background: #FFF6DD; border-top: none; border: solid #FFFCF5 1.0pt; mso-border-alt: solid #FFFCF5 .75pt; mso-border-top-alt: solid #FFFCF5 .75pt; padding: 3.75pt 7.5pt 3.75pt 7.5pt;">
<div class="MsoNormal">
Maximum tax credits in future years</div>
</td>
<td style="background: #FFF6DD; border-bottom: solid #FFFCF5 1.0pt; border-left: none; border-right: solid #FFFCF5 1.0pt; border-top: none; mso-border-alt: solid #FFFCF5 .75pt; mso-border-left-alt: solid #FFFCF5 .75pt; mso-border-top-alt: solid #FFFCF5 .75pt; padding: 3.75pt 7.5pt 3.75pt 7.5pt;">
<div align="right" class="MsoNormal" style="text-align: right;">
$1,043</div>
</td>
<td style="background: #FFF6DD; border-bottom: solid #FFFCF5 1.0pt; border-left: none; border-right: solid #FFFCF5 1.0pt; border-top: none; mso-border-alt: solid #FFFCF5 .75pt; mso-border-left-alt: solid #FFFCF5 .75pt; mso-border-top-alt: solid #FFFCF5 .75pt; padding: 3.75pt 7.5pt 3.75pt 7.5pt;">
<div align="right" class="MsoNormal" style="text-align: right;">
$1,043</div>
</td>
<td style="background: #FFF6DD; border-bottom: solid #FFFCF5 1.0pt; border-left: none; border-right: solid #FFFCF5 1.0pt; border-top: none; mso-border-alt: solid #FFFCF5 .75pt; mso-border-left-alt: solid #FFFCF5 .75pt; mso-border-top-alt: solid #FFFCF5 .75pt; padding: 3.75pt 7.5pt 3.75pt 7.5pt;">
<div align="right" class="MsoNormal" style="text-align: right;">
$1,043</div>
</td>
</tr>
</tbody></table>
<h3 style="background: #FFEDBB; margin-bottom: .0001pt; margin: 0in;">
<span style="color: #556677; font-family: "Arial","sans-serif"; font-size: 9.0pt;"> </span></h3>
<h3 style="background: #FFEDBB; margin-bottom: .0001pt; margin: 0in;">
<span style="color: #556677; font-family: "Arial","sans-serif"; font-size: 9.0pt;">starting
on taxable pay of $45,000, from age<span class="apple-converted-space"> </span>30<span class="apple-converted-space"> </span>until<span class="apple-converted-space"> </span>65:</span></h3>
<table border="0" cellpadding="0" cellspacing="0" class="MsoNormalTable" style="border-collapse: collapse; margin-left: 0.75pt; width: 459px;">
<thead>
<tr style="mso-yfti-firstrow: yes; mso-yfti-irow: 0;">
<td style="background: #FFAA00; border: solid #FFFCF5 1.0pt; mso-border-alt: solid #FFFCF5 .75pt; padding: 3.75pt 7.5pt 3.75pt 7.5pt;">
<div class="MsoNormal">
<b><span style="color: white;">Employee KiwiSaver
contributions</span></b></div>
</td>
<td style="background: #FFAA00; border-left: none; border: solid #FFFCF5 1.0pt; mso-border-alt: solid #FFFCF5 .75pt; mso-border-left-alt: solid #FFFCF5 .75pt; padding: 3.75pt 7.5pt 3.75pt 7.5pt;">
<div align="right" class="MsoNormal" style="text-align: right;">
<b><span style="color: white;">2%</span></b></div>
</td>
<td style="background: #FFAA00; border-left: none; border: solid #FFFCF5 1.0pt; mso-border-alt: solid #FFFCF5 .75pt; mso-border-left-alt: solid #FFFCF5 .75pt; padding: 3.75pt 7.5pt 3.75pt 7.5pt;">
<div align="right" class="MsoNormal" style="text-align: right;">
<b><span style="color: white;">4%</span></b></div>
</td>
<td style="background: #FFAA00; border-left: none; border: solid #FFFCF5 1.0pt; mso-border-alt: solid #FFFCF5 .75pt; mso-border-left-alt: solid #FFFCF5 .75pt; padding: 3.75pt 7.5pt 3.75pt 7.5pt;">
<div align="right" class="MsoNormal" style="text-align: right;">
<b><span style="color: white;">8%</span></b></div>
</td>
</tr>
</thead>
<tbody>
<tr style="mso-yfti-irow: 1;">
<td style="background: #FFF6DD; border-top: none; border: solid #FFFCF5 1.0pt; mso-border-alt: solid #FFFCF5 .75pt; mso-border-top-alt: solid #FFFCF5 .75pt; padding: 3.75pt 7.5pt 3.75pt 7.5pt;">
<div class="MsoNormal">
<a href="http://www.sorted.org.nz/calculators/kiwisaver-quick-calc/page2.php#total_nominal"><span style="color: #991f00; text-decoration: none; text-underline: none;">Total you will
have saved at<span class="apple-converted-space"> </span>65<span class="apple-converted-space"> </span>(in nominal dollars)</span></a></div>
</td>
<td style="background: #FFF6DD; border-bottom: solid #FFFCF5 1.0pt; border-left: none; border-right: solid #FFFCF5 1.0pt; border-top: none; mso-border-alt: solid #FFFCF5 .75pt; mso-border-left-alt: solid #FFFCF5 .75pt; mso-border-top-alt: solid #FFFCF5 .75pt; padding: 3.75pt 7.5pt 3.75pt 7.5pt;">
<div align="right" class="MsoNormal" style="text-align: right;">
$443,597</div>
</td>
<td style="background: #FFF6DD; border-bottom: solid #FFFCF5 1.0pt; border-left: none; border-right: solid #FFFCF5 1.0pt; border-top: none; mso-border-alt: solid #FFFCF5 .75pt; mso-border-left-alt: solid #FFFCF5 .75pt; mso-border-top-alt: solid #FFFCF5 .75pt; padding: 3.75pt 7.5pt 3.75pt 7.5pt;">
<div align="right" class="MsoNormal" style="text-align: right;">
$607,472</div>
</td>
<td style="background: #FFF6DD; border-bottom: solid #FFFCF5 1.0pt; border-left: none; border-right: solid #FFFCF5 1.0pt; border-top: none; mso-border-alt: solid #FFFCF5 .75pt; mso-border-left-alt: solid #FFFCF5 .75pt; mso-border-top-alt: solid #FFFCF5 .75pt; padding: 3.75pt 7.5pt 3.75pt 7.5pt;">
<div align="right" class="MsoNormal" style="text-align: right;">
$929,981</div>
</td>
</tr>
<tr style="mso-yfti-irow: 2;">
<td style="background: #FFF6DD; border-top: none; border: solid #FFFCF5 1.0pt; mso-border-alt: solid #FFFCF5 .75pt; mso-border-top-alt: solid #FFFCF5 .75pt; padding: 3.75pt 7.5pt 3.75pt 7.5pt;">
<div class="MsoNormal">
<a href="http://www.sorted.org.nz/calculators/kiwisaver-quick-calc/page2.php#total_todays"><span style="color: #991f00; text-decoration: none; text-underline: none;">Total you will
have saved at<span class="apple-converted-space"> </span>65<span class="apple-converted-space"> </span>(in today's dollars)</span></a></div>
</td>
<td style="background: #FFF6DD; border-bottom: solid #FFFCF5 1.0pt; border-left: none; border-right: solid #FFFCF5 1.0pt; border-top: none; mso-border-alt: solid #FFFCF5 .75pt; mso-border-left-alt: solid #FFFCF5 .75pt; mso-border-top-alt: solid #FFFCF5 .75pt; padding: 3.75pt 7.5pt 3.75pt 7.5pt;">
<div align="right" class="MsoNormal" style="text-align: right;">
$221,811</div>
</td>
<td style="background: #FFF6DD; border-bottom: solid #FFFCF5 1.0pt; border-left: none; border-right: solid #FFFCF5 1.0pt; border-top: none; mso-border-alt: solid #FFFCF5 .75pt; mso-border-left-alt: solid #FFFCF5 .75pt; mso-border-top-alt: solid #FFFCF5 .75pt; padding: 3.75pt 7.5pt 3.75pt 7.5pt;">
<div align="right" class="MsoNormal" style="text-align: right;">
$303,753</div>
</td>
<td style="background: #FFF6DD; border-bottom: solid #FFFCF5 1.0pt; border-left: none; border-right: solid #FFFCF5 1.0pt; border-top: none; mso-border-alt: solid #FFFCF5 .75pt; mso-border-left-alt: solid #FFFCF5 .75pt; mso-border-top-alt: solid #FFFCF5 .75pt; padding: 3.75pt 7.5pt 3.75pt 7.5pt;">
<div align="right" class="MsoNormal" style="text-align: right;">
$465,016</div>
</td>
</tr>
<tr style="mso-yfti-irow: 3;">
<td style="background: #FFF6DD; border-top: none; border: solid #FFFCF5 1.0pt; mso-border-alt: solid #FFFCF5 .75pt; mso-border-top-alt: solid #FFFCF5 .75pt; padding: 3.75pt 7.5pt 3.75pt 7.5pt;">
<div class="MsoNormal">
Amount you will invest<span class="apple-converted-space"> </span>weekly
in first year</div>
</td>
<td style="background: #FFF6DD; border-bottom: solid #FFFCF5 1.0pt; border-left: none; border-right: solid #FFFCF5 1.0pt; border-top: none; mso-border-alt: solid #FFFCF5 .75pt; mso-border-left-alt: solid #FFFCF5 .75pt; mso-border-top-alt: solid #FFFCF5 .75pt; padding: 3.75pt 7.5pt 3.75pt 7.5pt;">
<div align="right" class="MsoNormal" style="text-align: right;">
$17</div>
</td>
<td style="background: #FFF6DD; border-bottom: solid #FFFCF5 1.0pt; border-left: none; border-right: solid #FFFCF5 1.0pt; border-top: none; mso-border-alt: solid #FFFCF5 .75pt; mso-border-left-alt: solid #FFFCF5 .75pt; mso-border-top-alt: solid #FFFCF5 .75pt; padding: 3.75pt 7.5pt 3.75pt 7.5pt;">
<div align="right" class="MsoNormal" style="text-align: right;">
$35</div>
</td>
<td style="background: #FFF6DD; border-bottom: solid #FFFCF5 1.0pt; border-left: none; border-right: solid #FFFCF5 1.0pt; border-top: none; mso-border-alt: solid #FFFCF5 .75pt; mso-border-left-alt: solid #FFFCF5 .75pt; mso-border-top-alt: solid #FFFCF5 .75pt; padding: 3.75pt 7.5pt 3.75pt 7.5pt;">
<div align="right" class="MsoNormal" style="text-align: right;">
$69</div>
</td>
</tr>
<tr style="mso-yfti-irow: 4;">
<td style="background: #FFF6DD; border-top: none; border: solid #FFFCF5 1.0pt; mso-border-alt: solid #FFFCF5 .75pt; mso-border-top-alt: solid #FFFCF5 .75pt; padding: 3.75pt 7.5pt 3.75pt 7.5pt;">
<div class="MsoNormal">
Employer<span class="apple-converted-space"> </span>weekly
contributions</div>
</td>
<td style="background: #FFF6DD; border-bottom: solid #FFFCF5 1.0pt; border-left: none; border-right: solid #FFFCF5 1.0pt; border-top: none; mso-border-alt: solid #FFFCF5 .75pt; mso-border-left-alt: solid #FFFCF5 .75pt; mso-border-top-alt: solid #FFFCF5 .75pt; padding: 3.75pt 7.5pt 3.75pt 7.5pt;">
<div align="right" class="MsoNormal" style="text-align: right;">
$17</div>
</td>
<td style="background: #FFF6DD; border-bottom: solid #FFFCF5 1.0pt; border-left: none; border-right: solid #FFFCF5 1.0pt; border-top: none; mso-border-alt: solid #FFFCF5 .75pt; mso-border-left-alt: solid #FFFCF5 .75pt; mso-border-top-alt: solid #FFFCF5 .75pt; padding: 3.75pt 7.5pt 3.75pt 7.5pt;">
<div align="right" class="MsoNormal" style="text-align: right;">
$17</div>
</td>
<td style="background: #FFF6DD; border-bottom: solid #FFFCF5 1.0pt; border-left: none; border-right: solid #FFFCF5 1.0pt; border-top: none; mso-border-alt: solid #FFFCF5 .75pt; mso-border-left-alt: solid #FFFCF5 .75pt; mso-border-top-alt: solid #FFFCF5 .75pt; padding: 3.75pt 7.5pt 3.75pt 7.5pt;">
<div align="right" class="MsoNormal" style="text-align: right;">
$17</div>
</td>
</tr>
<tr style="mso-yfti-irow: 5;">
<td style="background: #FFF6DD; border-top: none; border: solid #FFFCF5 1.0pt; mso-border-alt: solid #FFFCF5 .75pt; mso-border-top-alt: solid #FFFCF5 .75pt; padding: 3.75pt 7.5pt 3.75pt 7.5pt;">
<div class="MsoNormal">
Tax credits in first year (paid on 1 July)</div>
</td>
<td style="background: #FFF6DD; border-bottom: solid #FFFCF5 1.0pt; border-left: none; border-right: solid #FFFCF5 1.0pt; border-top: none; mso-border-alt: solid #FFFCF5 .75pt; mso-border-left-alt: solid #FFFCF5 .75pt; mso-border-top-alt: solid #FFFCF5 .75pt; padding: 3.75pt 7.5pt 3.75pt 7.5pt;">
<div align="right" class="MsoNormal" style="text-align: right;">
$640</div>
</td>
<td style="background: #FFF6DD; border-bottom: solid #FFFCF5 1.0pt; border-left: none; border-right: solid #FFFCF5 1.0pt; border-top: none; mso-border-alt: solid #FFFCF5 .75pt; mso-border-left-alt: solid #FFFCF5 .75pt; mso-border-top-alt: solid #FFFCF5 .75pt; padding: 3.75pt 7.5pt 3.75pt 7.5pt;">
<div align="right" class="MsoNormal" style="text-align: right;">
$742</div>
</td>
<td style="background: #FFF6DD; border-bottom: solid #FFFCF5 1.0pt; border-left: none; border-right: solid #FFFCF5 1.0pt; border-top: none; mso-border-alt: solid #FFFCF5 .75pt; mso-border-left-alt: solid #FFFCF5 .75pt; mso-border-top-alt: solid #FFFCF5 .75pt; padding: 3.75pt 7.5pt 3.75pt 7.5pt;">
<div align="right" class="MsoNormal" style="text-align: right;">
$742</div>
</td>
</tr>
<tr style="mso-yfti-irow: 6; mso-yfti-lastrow: yes;">
<td style="background: #FFF6DD; border-top: none; border: solid #FFFCF5 1.0pt; mso-border-alt: solid #FFFCF5 .75pt; mso-border-top-alt: solid #FFFCF5 .75pt; padding: 3.75pt 7.5pt 3.75pt 7.5pt;">
<div class="MsoNormal">
Maximum tax credits in future years</div>
</td>
<td style="background: #FFF6DD; border-bottom: solid #FFFCF5 1.0pt; border-left: none; border-right: solid #FFFCF5 1.0pt; border-top: none; mso-border-alt: solid #FFFCF5 .75pt; mso-border-left-alt: solid #FFFCF5 .75pt; mso-border-top-alt: solid #FFFCF5 .75pt; padding: 3.75pt 7.5pt 3.75pt 7.5pt;">
<div align="right" class="MsoNormal" style="text-align: right;">
$1,043</div>
</td>
<td style="background: #FFF6DD; border-bottom: solid #FFFCF5 1.0pt; border-left: none; border-right: solid #FFFCF5 1.0pt; border-top: none; mso-border-alt: solid #FFFCF5 .75pt; mso-border-left-alt: solid #FFFCF5 .75pt; mso-border-top-alt: solid #FFFCF5 .75pt; padding: 3.75pt 7.5pt 3.75pt 7.5pt;">
<div align="right" class="MsoNormal" style="text-align: right;">
$1,043</div>
</td>
<td style="background: #FFF6DD; border-bottom: solid #FFFCF5 1.0pt; border-left: none; border-right: solid #FFFCF5 1.0pt; border-top: none; mso-border-alt: solid #FFFCF5 .75pt; mso-border-left-alt: solid #FFFCF5 .75pt; mso-border-top-alt: solid #FFFCF5 .75pt; padding: 3.75pt 7.5pt 3.75pt 7.5pt;">
<div align="right" class="MsoNormal" style="text-align: right;">
$1,043</div>
</td>
</tr>
</tbody></table>
<div class="MsoNormal">
<strong><span style="color: #494949; font-family: "Arial","sans-serif"; font-size: 10.0pt;">Assumptions</span></strong><span class="apple-style-span"><span style="color: #333333; font-family: "Arial","sans-serif"; font-size: 10.0pt;"></span></span></div>
<div class="MsoNormal" style="margin-left: 0in; mso-list: l0 level1 lfo2; tab-stops: list .5in; text-indent: -.25in;">
<span style="mso-list: Ignore;">1.<span style="font: 7.0pt "Times New Roman";"> </span></span><span style="color: #333333; font-family: "Arial","sans-serif"; font-size: 10.0pt;">Salaries
increase at<span class="apple-converted-space"> </span>3.5% per annum. Your
contributions are assumed to increase in line with your pay (for example $200
today will be $230 in 4 years time).</span></div>
<div class="MsoNormal" style="margin-left: 0in; mso-list: l0 level1 lfo2; tab-stops: list .5in; text-indent: -.25in;">
<span style="color: #333333; font-family: "Arial","sans-serif"; font-size: 10.0pt; mso-fareast-font-family: Arial;"><span style="mso-list: Ignore;">2.<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span style="color: #333333; font-family: "Arial","sans-serif"; font-size: 10.0pt;">All contributions are invested in a balanced fund earning a net
real return of<span class="apple-converted-space"> </span>4% per annum.</span></div>
<div class="MsoNormal" style="margin-left: 0in; mso-list: l0 level1 lfo2; tab-stops: list .5in; text-indent: -.25in;">
<span style="color: #333333; font-family: "Arial","sans-serif"; font-size: 10.0pt; mso-fareast-font-family: Arial;"><span style="mso-list: Ignore;">3.<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span style="color: #333333; font-family: "Arial","sans-serif"; font-size: 10.0pt;">No contributions holidays are taken.</span></div>
<div class="MsoNormal" style="margin-left: 0in; mso-list: l0 level1 lfo2; tab-stops: list .5in; text-indent: -.25in;">
<span style="color: #333333; font-family: "Arial","sans-serif"; font-size: 10.0pt; mso-fareast-font-family: Arial;"><span style="mso-list: Ignore;">4.<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span style="color: #333333; font-family: "Arial","sans-serif"; font-size: 10.0pt;">The one-off government contribution of $1,000 is received 3
months after the first contribution is deducted from your pay.</span></div>
<div class="MsoNormal" style="margin-left: 0in; mso-list: l0 level1 lfo2; tab-stops: list .5in; text-indent: -.25in;">
<span style="color: #333333; font-family: "Arial","sans-serif"; font-size: 10.0pt; mso-fareast-font-family: Arial;"><span style="mso-list: Ignore;">5.<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span style="color: #333333; font-family: "Arial","sans-serif"; font-size: 10.0pt;">Tax credits (for a maximum of $1,042.86) are added to your
savings each year.</span></div>
<div class="MsoNormal" style="margin-left: 0in; mso-list: l0 level1 lfo2; tab-stops: list .5in; text-indent: -.25in;">
<span style="color: #333333; font-family: "Arial","sans-serif"; font-size: 10.0pt; mso-fareast-font-family: Arial;"><span style="mso-list: Ignore;">6.<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span style="color: #333333; font-family: "Arial","sans-serif"; font-size: 10.0pt;">This calculator assumes your investments are in a managed fund
which is a PIE (Portfolio Investment Entity). Your PIE income is taxed at
either 10.5%, 17.5% or 28%, depending on your income.</span><a href="http://www.sorted.org.nz/home/sorted-sections/investing/pies-and-pirs"><span style="color: #333333; font-family: "Arial","sans-serif"; font-size: 10.0pt; text-decoration: none; text-underline: none;">Find out more about PIEs</span></a><span style="color: #333333; font-family: "Arial","sans-serif"; font-size: 10.0pt;">.</span></div>
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<br /></div>
<div class="MsoNormal">
<br /></div>
Mortgage Mantrahttp://www.blogger.com/profile/13674347000250569912noreply@blogger.com0tag:blogger.com,1999:blog-2834030192867962529.post-24895564122261010482011-10-10T04:35:00.000-07:002011-10-10T04:35:48.991-07:00Getting Insurance for your home<!--[if gte mso 9]><xml>
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<span style="font-size: small;"><b><u>PREPARING FOR THE
UNEXPECTED</u></b></span></div>
<div class="MsoNormal">
<span style="font-size: small;"><b><u><span style="text-decoration: none;"><br /></span></u></b></span></div>
<ul style="margin-top: 0in;" type="disc">
<li class="MsoNormal"><span style="font-size: small;"><b>THE SOUTH
CANTERBURY FINANCE FAILURE-GOVT. WAS PREPARED WITH THE
DEPOSIT GUARANTEE</b></span></li>
</ul>
<div class="MsoNormal">
<span style="font-size: small;"><b></b></span></div>
<ul style="margin-top: 0in;" type="disc">
<li class="MsoNormal"><span style="font-size: small;"><b>THE CANTERBURY EARTHQUAKE – GOVT. &
CITIZENS NOT PREPARED…ANYONE CAN PREPARE FOR A CALAMITY..LUCKILY NO LIVES
HAVE BEEN LOST</b></span></li>
</ul>
<div class="MsoNormal">
<span style="font-size: small;"><b></b></span></div>
<div class="MsoNormal">
<span style="font-size: small;"><b>THERE ARE HUNDREDS OF FAMILIES THAT DO NOT CURRENTLY HAVE
THEIR HOMES INSURED. REVIEW YOUR SITUATION IMMEDIATELY.</b></span></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<span style="font-size: small;"><b>WHAT HAPPENS TO YOUR
HOME IF IT IS AFFECTED IN AN EARTHQUAKE OR STORM OR ANY OTHER CALAMITY? IF YOUR
HOME IS INSURED, YOU WILL HAVE SOME RELIEF. IF YOUR HOME IS NOT INSURED IN SUCH
A CALAMITY, WHAT ARE YOUR OPTIONS?
THINK THIS OVER.</b></span></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<span style="font-size: small;"><b>MANY OF US INSURE OUR
CARS- NOT OUR HOMES / LIVES/HEALTH.</b></span></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<span style="font-size: small;"><b>LET’S BRIEFLY TALK OF (HEALTH) INSURANCE TODAY:</b></span></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<span style="font-size: small;"><b>YOU CANNOT ALWAYS
PREDICT WHAT HEALTH ISSUES MAY AFFECT
YOU IN THE FUTURE.</b></span></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<span style="font-size: small;"><b>YOU ALSO CANNOT
FORESEE HOW THESE ISSUES MAY
IMPACT YOUR LIFESTYLE, FAMILY AND
EARNING ABILITY.</b></span></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<span style="font-size: small;"><b>AN INDIVIDUAL HAS A 52% CHANCE OF HAVING ONE
OF THE FOLLOWING OPERATIONS BETWEEN THE AGES OF 30 & 65:</b></span></div>
<div class="MsoNormal">
<span style="font-size: small;"><b>FIGURES ARE AS OF
EARLY 2009</b></span></div>
<div class="MsoNormal">
<span style="font-size: small;"><b>CATARACT REMOVAL -
$4K</b></span></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<span style="font-size: small;"><b>HIP OR KNEE
REPLACEMENT-$15K - $22K</b></span></div>
<div class="MsoNormal">
<span style="font-size: small;"><b><u><span style="text-decoration: none;"><br /></span></u></b></span></div>
<div class="MsoNormal">
<span style="font-size: small;"><b><u>HEART PROCEDURES </u></b></span></div>
<div class="MsoNormal">
<span style="font-size: small;"><b><u><span style="text-decoration: none;"><br /></span></u></b></span></div>
<div class="MsoNormal">
<span style="font-size: small;"><b>(INCLUDING VALVE
REPLACEMENT-$40-$50K</b></span></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<span style="font-size: small;"><b>CORONARY BYPASS-$30-$40K</b></span></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<span style="font-size: small;"><b>ANGIOPLASTY -$20K
ONWARDS & ANGIOGRAM - $4K ONWARDS)</b></span></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<span style="font-size: small;"><b>HERNIA REPAIR - $6K -
$10K</b></span></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<span style="font-size: small;"><b>PROSTATE (INCLUDING
TREATMENT/REMOVAL)-$8K - $13K</b></span></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<span style="font-size: small;"><b>HYSTERECTOMY - $12K -
$19K</b></span></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<span style="font-size: small;"><b>GALL BLADDER REMOVAL
- $5K-$8K</b></span></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<span style="font-size: small;"><b>ENDOMETRIOSIS-
$8K-$16K</b></span></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<span style="font-size: small;"><b>HERCEPTIN TREATMENT
FOR BREAST CANCER - $100K P.A.</b></span></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<span style="font-size: small;"><b><u>5 BENEFITS OF
HEALTH INSURANCE</u></b></span></div>
<div class="MsoNormal">
<br /></div>
<ul style="margin-top: 0in;" type="disc">
<li class="MsoNormal"><span style="font-size: small;"><b>CHOICE OF WHEN, WHERE & HOW YOU GET TREATED IN CONSULTATION WITH YOUR GP</b></span></li>
</ul>
<div class="MsoNormal">
<span style="font-size: small;"><b></b></span></div>
<ul style="margin-top: 0in;" type="disc">
<li class="MsoNormal"><span style="font-size: small;"><b>NO STRESS ABOUT HOW TO ARRANGE TO PAY
THE MEDICAL BILLS</b></span></li>
</ul>
<div class="MsoNormal">
<span style="font-size: small;"><b></b></span></div>
<ul style="margin-top: 0in;" type="disc">
<li class="MsoNormal"><span style="font-size: small;"><b>AVOID LONG DELAYS IN THE PUBLIC SYSYEM</b></span></li>
</ul>
<div class="MsoNormal">
<span style="font-size: small;"><b></b></span></div>
<ul style="margin-top: 0in;" type="disc">
<li class="MsoNormal"><span style="font-size: small;"><b>COVER NOW FOR UNKNOWN HEALTH ISSUES
THAT MAY ARISE IN FUTURE</b></span></li>
</ul>
<div class="MsoNormal">
<span style="font-size: small;"><b></b></span></div>
<ul style="margin-top: 0in;" type="disc">
<li class="MsoNormal"><span style="font-size: small;"><b>ACCESS TO LATEST MEDICAL TECHNOLOGY
& PROCEDURES</b></span></li>
</ul>
<div class="MsoNormal">
<span style="font-size: small;"></span></div>
<div class="MsoNormal">
<span style="font-size: small;"></span></div>
<div class="MsoNormal">
<span style="font-size: small;"><b>50% OF HEALTH
INSURANCE CLAIMS ARE BETWEEN THE
AGES 30-59.</b></span></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<span style="font-size: small;"><b>WOMEN AGED 30-49 –
GYNAECOLOGICAL, AGED 50+ BREAST CANCER, BOWEL CANCER & JOINT REPLACEMENT</b></span></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<span style="font-size: small;"><b>MEN AGED 30-49- SKIN,
PROSTATE OR COLON
CANCER, AGED 50+ HEART RELATED PROCEDURES ARE
MOST COMMON</b></span></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<span style="font-size: small;"><b>CHILDREN – TONSILS,
ADENOIDS, GROMMETS IN EARS</b></span></div>
Mortgage Mantrahttp://www.blogger.com/profile/13674347000250569912noreply@blogger.com2tag:blogger.com,1999:blog-2834030192867962529.post-60202089553899736802011-10-10T04:34:00.001-07:002011-10-10T04:34:09.741-07:005 easy ways to buy a home<!--[if gte mso 9]><xml>
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<div class="MsoNormal">
<span style="font-size: small;"><b><span>Five
Ways to Make Buying a Home Easier</span></b></span></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<span style="font-size: small;">Buying
your first house can be scary,<a href="" name="_GoBack"></a>but you can make it easier
on yourself by following some simple rules. Here are five things to do
upfront:</span></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<span style="font-size: small;"> <b>1.
Get pre-approved</b> </span></div>
<div class="MsoNormal">
<span style="font-size: small;"> A
preapproval is simply an indication of what you can borrow and gives you a feel
for your repayments and any other costs. Make sure you understand the
term of your mortgage and any additional costs (especially low equity fees) and
whether the bank will require a valuation. (You can get started by doing
our <a href="http://www.squirrel.co.nz/online-application/"><span style="color: blue;">online application</span></a>.) </span></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<span style="font-size: small;"> <b>2.
Talk to experts</b> </span></div>
<div class="MsoNormal">
<span style="font-size: small;">You
might try coercing a real estate agent to act as your buyer’s agent. That
can be useful to get a feel for the market and for properties in an area.
Squirrel can also help you by providing property intelligence and local sales
data to help you better understand the market. We will help you with the
whole process and provide useful feedback on the property and negotiating the
price. We’re in the market every day helping buyers. We know what’s
hot and what’s not, and where to find the best deals. </span></div>
<div class="MsoNormal">
<span style="font-size: small;">When
it comes to your mortgage don’t settle for second best. If you can use a
top <b>mortgage broker for free</b>, why settle for someone less
experienced? </span></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<span style="font-size: small;"><b>3.
Know the neighbourhood</b> </span></div>
<div class="MsoNormal">
<span style="font-size: small;">Spend
time in an area. Have brunch at a cafe, walk around the shops. Find
out about the schools and public transport. Go back at night and
different times of the day. I’ve even gone down the street and talked to
neighbours. </span></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<span style="font-size: small;"> <b>4.
Be realistic</b> </span></div>
<div class="MsoNormal">
<span style="font-size: small;">Look
at a lot of property. That way you will get a feel for what’s available
and it will make those necessary trade-offs seem easier. All properties
have problems and what you need to decide is: Can you live with those problems
in the short term until they can be fixed? With older houses the roof
will often need maintenance, repair or replacement (in the next five to 10
years.) </span></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<span style="font-size: small;"> <b>5.
Put in offers</b> </span></div>
<div class="MsoNormal">
<span style="font-size: small;">Bugger
perfection – there is not one property out there for you. There are a
number of properties out there that would be great <b><u>at the right price</u></b>.
If you’re not totally sold on a particular property, at what price would change
your mind? There is no harm in putting in low offers and who knows, it
could pay off! If you are doing low offers don’t bother putting the offer
in writing and putting the agent through the whole process. Just tell
them a price you’d be happy to negotiate at – and if it’s ‘No
deal’, simply walk away.</span></div>
Mortgage Mantrahttp://www.blogger.com/profile/13674347000250569912noreply@blogger.com0tag:blogger.com,1999:blog-2834030192867962529.post-65798093127333478822011-10-10T04:33:00.000-07:002011-10-10T04:33:07.827-07:00How to make buying a home easier<!--[if gte mso 9]><xml>
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<br />
<h1>
<span style="font-size: small;">Few things to make buying a home easier</span></h1>
<span style="font-size: small;"><span>Buying that first home can be scary .Following
some simple rules. Here are 5 things to do.</span></span><br />
<br />
<span style="font-size: small;"><strong><span>1. Get your loan preapproved in
advance</span></strong><span></span></span><br />
<span style="font-size: small;"><span>A preapproval is simply an indication of what
you can borrow and gives you a feel for your repayments and any other
costs. Make sure you understand the term of your mortgage and any
additional costs especially low equity fees and whether the bank will require a
valuation. You can get started by doing an application. </span></span><br />
<span style="font-size: small;"><b><span>WHAT
WILL THIS COST? WON’T COSTYOU A CENT</span></b><span>.</span></span><br />
<br />
<span style="font-size: small;"><strong><span>2. Talk to professionals, friends, experts</span></strong><span></span></span><br />
<span style="font-size: small;"><span>Try and talk to a real estate agent to act as
your Buyers Agent. That can be useful to get a feel for the market and
for properties in an area. We can help you by providing property
intelligence and local sales data to help you better understand the
market. We will help you with the whole process and provide useful
feedback on the property and negotiating the price. We’re in the market
every day helping Buyers. We know what’s hot and what’s not, and where to
find the best deals.</span></span><br />
<span style="font-size: small;"><span>When it comes to your mortgage don’t settle
for second best. If you can use a top <strong>mortgage broker for free</strong>,
why settle for someone less experienced.</span></span><br />
<br />
<span style="font-size: small;"><strong><span>3. Know the neighborhood</span></strong><span></span></span><br />
<span style="font-size: small;"><span>Spend time in an area. Have breakfast
and/ or lunch at a cafe, walk around the shops. Find out about the
schools and public transport. Go back at night and different times of the
day. Go gone down the street and talk to neighbors,<a href="" name="_GoBack"></a>businesses.</span></span><br />
<br />
<span style="font-size: small;"><strong><span>4. Be realistic</span></strong><span></span></span><br />
<span style="font-size: small;"><span>Look at a lot of property. That way you
will get a feel for what’s available and it will make the trade-offs that you
need to make, easier. All properties have problems and what you need to
decide is whether you can live with those problems in the short term until they
can be fixed. With older houses the roof will often need maintenance,
repair or replacement (in the next 5-10 years.)</span></span><br />
<br />
<span style="font-size: small;"><strong><span>5. Put in offers</span></strong><span></span></span><br />
<span style="font-size: small;"><span>Bugger perfection – there is not one property
out there for you. There are a number of properties out there that would
be great <strong><u>at the right price</u></strong>. If you’re not
totally sold on a particular property, at what price would you be? There
is no harm in putting in low offers and who knows, it could pay-off! If
you are doing low offersdon’t bother putting the offer in writing and putting
the Agent through the whole process. Just tell them a price you’d be
happy to negotiate at and if it’s no deal, walk away.</span></span><br />
Mortgage Mantrahttp://www.blogger.com/profile/13674347000250569912noreply@blogger.com0tag:blogger.com,1999:blog-2834030192867962529.post-9822645034652919142011-10-10T04:32:00.000-07:002011-10-10T04:32:06.966-07:00Various ways to buy a property<!--[if gte mso 9]><xml>
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<b><u><span style="font-size: 13.5pt;">DIFFERENT WAYS TO BUY
A PROPERTY – NOT EXHAUSTIVE</span></u></b><span style="font-size: 13.5pt; mso-bidi-font-weight: bold;"></span></div>
<div class="MsoListParagraphCxSpFirst" style="mso-add-space: auto; mso-list: l3 level1 lfo4; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; mso-outline-level: 3; text-indent: -.25in;">
<span style="font-family: Symbol; font-size: 13.5pt; mso-bidi-font-family: Symbol; mso-bidi-font-weight: bold; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><b><span style="font-family: "Cambria","serif"; font-size: 13.5pt; mso-ascii-theme-font: major-latin; mso-hansi-theme-font: major-latin;">The
most common is through a public listing of a property by a Real Estate Agent
open home at set times or with prior appointments – price is negotiated through
the agent. You can make a conditional purchase offer through the agent</span></b><b><span style="font-size: 13.5pt;">.</span></b></div>
<div class="MsoListParagraphCxSpLast" style="mso-add-space: auto; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; mso-outline-level: 3;">
<br /></div>
<div class="MsoNormal" style="mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; mso-outline-level: 4;">
<b><span style="font-family: "Cambria","serif"; mso-ascii-theme-font: major-latin; mso-hansi-theme-font: major-latin;">Some of the Purchase Conditions
are</span> -</b></div>
<ul type="disc">
<li class="MsoNormal" style="mso-list: l1 level1 lfo2; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list .5in;">Subject to finance – 5 to 10
working days</li>
<li class="MsoNormal" style="mso-list: l1 level1 lfo2; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list .5in;">Subject to building
inspection</li>
<li class="MsoNormal" style="mso-list: l1 level1 lfo2; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list .5in;">Subject to LIM report</li>
<li class="MsoNormal" style="mso-list: l1 level1 lfo2; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list .5in;">Subject to solicitors
approval – 3 working days (insert this if you are not confident about what
you are signing)</li>
</ul>
<div class="MsoListParagraphCxSpFirst" style="mso-add-space: auto; mso-list: l1 level1 lfo2; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list .5in; text-indent: -.25in;">
<span style="font-family: Symbol; font-size: 10.0pt; mso-bidi-font-family: Symbol; mso-bidi-font-size: 12.0pt; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span>Another popular clause is a <a href="http://www.squirrel.co.nz/buying-property-due-diligence-clause/"><b><span style="color: windowtext; font-family: "Cambria","serif"; mso-ascii-theme-font: major-latin; mso-hansi-theme-font: major-latin;">Due Diligence clause</span></b></a>
that gives you full control on the purchase process but isn’t nearly as popular
with Agents for this reason. </div>
<div class="MsoListParagraphCxSpMiddle" style="mso-add-space: auto; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto;">
<br /></div>
<div class="MsoListParagraphCxSpMiddle" style="mso-add-space: auto; mso-list: l1 level1 lfo2; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list .5in; text-indent: -.25in;">
<span style="font-family: Symbol; font-size: 10.0pt; mso-bidi-font-family: Symbol; mso-bidi-font-size: 12.0pt; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><b style="mso-bidi-font-weight: normal;"><span style="font-family: "Cambria","serif"; mso-ascii-theme-font: major-latin; mso-hansi-theme-font: major-latin;">REMEMBER it is a legal contract</span></b>. Talk
to a solicitor before signing the contract.Once you go unconditional you are
committed to purchasing the property.</div>
<div class="MsoListParagraphCxSpMiddle" style="mso-add-space: auto; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; mso-outline-level: 3;">
<br /></div>
<div class="MsoListParagraphCxSpMiddle" style="mso-add-space: auto; mso-list: l3 level1 lfo4; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; mso-outline-level: 3; text-indent: -.25in;">
<span style="font-family: Symbol; font-size: 13.5pt; mso-bidi-font-family: Symbol; mso-bidi-font-weight: bold; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><b><span style="font-size: 13.5pt;">Tender</span></b></div>
<div class="MsoListParagraphCxSpMiddle" style="mso-add-space: auto; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto;">
<br /></div>
<div class="MsoListParagraphCxSpMiddle" style="mso-add-space: auto; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto;">
You put in a written offer within a specified
timeframe which the seller considers at the same time as any other written
offers. </div>
<div class="MsoListParagraphCxSpMiddle" style="mso-add-space: auto; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto;">
<br /></div>
<div class="MsoListParagraphCxSpMiddle" style="mso-add-space: auto; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto;">
You can put conditions on the offer but this might
make it less appealing than other offers.<b style="mso-bidi-font-weight: normal;"><u><span style="text-decoration: none;"> </span></u></b></div>
<div class="MsoListParagraphCxSpMiddle" style="mso-add-space: auto; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto;">
<b style="mso-bidi-font-weight: normal;"><u>08.09.2011</u></b></div>
<div class="MsoListParagraphCxSpMiddle" style="mso-add-space: auto; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto;">
<b style="mso-bidi-font-weight: normal;"><u><span style="text-decoration: none;"><br /></span></u></b></div>
<div class="MsoListParagraphCxSpMiddle" style="mso-add-space: auto; mso-list: l3 level1 lfo4; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; mso-outline-level: 3; text-indent: -.25in;">
<span style="font-family: Symbol; font-size: 13.5pt; mso-bidi-font-family: Symbol; mso-bidi-font-weight: bold; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><b><span style="font-size: 13.5pt;">Private Treaty
/ Private Sale</span></b></div>
<div class="MsoListParagraphCxSpMiddle" style="mso-add-space: auto; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto;">
<br /></div>
<div class="MsoListParagraphCxSpMiddle" style="mso-add-space: auto; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto;">
This is where you buy by negotiation directly with the
vendor.</div>
<div class="MsoListParagraphCxSpMiddle" style="mso-add-space: auto; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto;">
<br /></div>
<div class="MsoListParagraphCxSpMiddle" style="mso-add-space: auto; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto;">
<a href="http://www.squirrel.co.nz/negotiating-purchase-price/"><b><span style="color: windowtext; font-family: "Cambria","serif"; mso-ascii-theme-font: major-latin; mso-hansi-theme-font: major-latin;">Good negotiation</span></b></a>
is about doing your research.</div>
<div class="MsoListParagraphCxSpMiddle" style="mso-add-space: auto; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto;">
<br /></div>
<div class="MsoListParagraphCxSpMiddle" style="mso-add-space: auto; mso-list: l3 level1 lfo4; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-indent: -.25in;">
<span style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span>REMEMBER, YOU DO NOT HAVE AN AGENT TO GIVE YOU
INFORMATION ABOUT THE PROPERTY IN THIS SITUATION.</div>
<div class="MsoListParagraphCxSpMiddle" style="mso-add-space: auto; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto;">
<br /></div>
<div class="MsoListParagraphCxSpMiddle" style="mso-add-space: auto; mso-list: l3 level1 lfo4; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-indent: -.25in;">
<span style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span>YOU NEED TO RESEARCH HISTORIC SALES DATA
YOURSELF.</div>
<div class="MsoListParagraphCxSpMiddle" style="mso-add-space: auto; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto;">
<br /></div>
<div class="MsoListParagraphCxSpMiddle" style="mso-add-space: auto; mso-list: l3 level1 lfo4; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-indent: -.25in;">
<span style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><b style="mso-bidi-font-weight: normal;"><span style="font-family: "Cambria","serif"; mso-ascii-theme-font: major-latin; mso-hansi-theme-font: major-latin;">These transactions have the risk of something
going wrong because there is nobody to manage the process</span></b>. Please
involve your solicitor and any experienced friend or family member.</div>
<div class="MsoListParagraphCxSpMiddle" style="mso-add-space: auto; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto;">
<br /></div>
<div class="MsoListParagraphCxSpMiddle" style="mso-add-space: auto; mso-list: l3 level1 lfo4; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-indent: -.25in;">
<span style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><b style="mso-bidi-font-weight: normal;"><span style="font-family: "Cambria","serif"; mso-ascii-theme-font: major-latin; mso-hansi-theme-font: major-latin;">If you buy privately a Registered Valuation
will almost always be required and you should insert a solicitor’s clause (e.g.
“subject to solicitor being happy with the contract in all regards within 3
working days”) or have your solicitor check the agreement before you sign it.</span></b></div>
<div class="MsoListParagraphCxSpMiddle" style="mso-add-space: auto; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; mso-outline-level: 3;">
<br /></div>
<div class="MsoListParagraphCxSpMiddle" style="mso-add-space: auto; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; mso-outline-level: 3;">
<b><span style="font-size: 13.5pt;">Private
treaty / sale can be conditional.</span></b></div>
<div class="MsoListParagraphCxSpMiddle" style="mso-add-space: auto; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; mso-outline-level: 3;">
<br /></div>
<div class="MsoListParagraphCxSpMiddle" style="mso-add-space: auto; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; mso-outline-level: 3;">
<b><u><span style="font-size: 13.5pt;">Auction</span></u></b></div>
<div class="MsoListParagraphCxSpMiddle" style="mso-add-space: auto; mso-list: l3 level1 lfo4; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-indent: -.25in;">
<span style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span>An auction is an unconditional purchase.</div>
<div class="MsoListParagraphCxSpMiddle" style="mso-add-space: auto; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto;">
<br /></div>
<div class="MsoListParagraphCxSpMiddle" style="mso-add-space: auto; mso-list: l3 level1 lfo4; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-indent: -.25in;">
<span style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span>This means you need to have done all of your due
diligence upfront. </div>
<div class="MsoListParagraphCxSpMiddle">
<br /></div>
<div class="MsoListParagraphCxSpMiddle" style="mso-add-space: auto; mso-list: l3 level1 lfo4; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-indent: -.25in;">
<span style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span>The Real Estate Agent will provide you with a
copy of the S&P agreement, Title and LIM report upfront. </div>
<div class="MsoListParagraphCxSpMiddle">
<br /></div>
<div class="MsoListParagraphCxSpLast" style="mso-add-space: auto; mso-list: l3 level1 lfo4; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-indent: -.25in;">
<span style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span>You may need to do a building inspection and/or
valuation before the auction, which can become expensive if you keep going to
auctions.</div>
<div class="MsoNormal" style="mso-margin-bottom-alt: auto; mso-margin-top-alt: auto;">
You
need to register your interest in an auction before the day and you will need a
10% deposit that is payable on winning the auction. <b>How do auctions work?</b></div>
<div class="MsoNormal" style="mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; mso-outline-level: 4;">
<b><span style="font-family: "Cambria","serif"; mso-ascii-theme-font: major-latin; mso-hansi-theme-font: major-latin;">Auction check list</span></b></div>
<ul type="disc">
<li class="MsoNormal" style="mso-list: l0 level1 lfo1; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list .5in;">Register your interest with
the agent before the day</li>
<li class="MsoNormal" style="mso-list: l0 level1 lfo1; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list .5in;">Arrange your deposit – you
need a 10% deposit</li>
<li class="MsoNormal" style="mso-list: l0 level1 lfo1; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list .5in;">Agree any changes to the
deposit or settlement day with the Agent before the auction<a href="" name="_GoBack"></a></li>
<li class="MsoNormal" style="mso-list: l0 level1 lfo1; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list .5in;">Have your solicitor check the
title</li>
<li class="MsoNormal" style="mso-list: l0 level1 lfo1; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list .5in;">Get your finance fully
approved</li>
<li class="MsoNormal" style="mso-list: l0 level1 lfo1; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list .5in;">Read the LIM report and do
any other due diligences</li>
<li class="MsoNormal" style="mso-list: l0 level1 lfo1; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list .5in;">Do a building inspection or
valuation (if required)</li>
</ul>
<div class="MsoNormal" style="mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; mso-outline-level: 3;">
<b><span style="font-size: 13.5pt;">Auction can be requested
by the Vendor or it can be a Mortgagee sale</span></b></div>
<div class="MsoNormal" style="mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; mso-outline-level: 3;">
<b><span style="font-size: 13.5pt;">Sale and Purchase
Agreements</span></b></div>
<div class="MsoNormal" style="mso-margin-bottom-alt: auto; mso-margin-top-alt: auto;">
Once
you find a place you’ll be asked to sign a Sale and Purchase agreement. This is
largely template driven with space to insert your own purchase conditions.
We’ve outlined the main conditions below.</div>
<div class="MsoNormal" style="mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; mso-outline-level: 4;">
<b>Important Dates</b></div>
<ul type="disc">
<li class="MsoNormal" style="mso-list: l2 level1 lfo3; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list .5in;">finance date – 5 to 10
working days from offer date</li>
<li class="MsoNormal" style="mso-list: l2 level1 lfo3; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list .5in;">settlement date – the day you
take ownership of the house</li>
</ul>
<div class="MsoNormal" style="mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; mso-outline-level: 3;">
<b><span style="font-size: 13.5pt;">Paying the Deposit</span></b></div>
<div class="MsoNormal" style="mso-margin-bottom-alt: auto; mso-margin-top-alt: auto;">
Often
you will not have the deposit available when you buy a property. This can cause
some stress around unconditional date so I thought I’d outline the rules and
process:-</div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal" style="mso-margin-bottom-alt: auto; mso-margin-top-alt: auto;">
The
amount of a deposit is completely negotiable.</div>
<div class="MsoNormal" style="mso-margin-bottom-alt: auto; mso-margin-top-alt: auto;">
With
an auction it is set at 10% but you can negotiate with the Real Estate Agent
before the auction if you do not have 10% available. Agents/vendors want as
many bidders as possible at the auction so will generally agree to a lower
deposit.</div>
<div class="MsoNormal" style="mso-margin-bottom-alt: auto; mso-margin-top-alt: auto;">
With
private treaty (by negotiation) sales you set the figure as part of signing the
S&P agreement. 5% is usually enough. With bigger purchases you can usually
cap the deposit at a set amount, say $25k.</div>
<div class="MsoNormal" style="mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; mso-outline-level: 4;">
<br /></div>
<div class="MsoNormal">
<b>When is the Deposit Paid?</b></div>
<div class="MsoNormal" style="mso-margin-bottom-alt: auto; mso-margin-top-alt: auto;">
You
normally agree to pay the deposit on going unconditional. Occasionally Real
Estate Agents ask for the deposit upfront but this is not as common.</div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal" style="mso-margin-bottom-alt: auto; mso-margin-top-alt: auto;">
If
you do not have funds available we will set up a temporary overdraft or draw
down the funds on your existing property to form the deposit.</div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal" style="mso-margin-bottom-alt: auto; mso-margin-top-alt: auto;">
Although
it is best to pay the deposit on unconditional day this is often not possible
due to the amount of paperwork required to get temporary facilities in place –
especially if you are a first home buyer. In this situation you can go
unconditional, and as a courtesy let the Agent know that the deposit will be
paid within 48 hours.</div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal" style="mso-margin-bottom-alt: auto; mso-margin-top-alt: auto;">
Always
check with your solicitor – you have 3 working days from being served notice
(by the vendor’s solicitor) to pay the deposit. This means you have at least 3
working days from going unconditional to pay it.</div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal" style="mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; mso-outline-level: 3;">
<b><span style="font-size: 13.5pt;">Building Inspection and
Valuation</span></b></div>
<div class="MsoNormal" style="mso-margin-bottom-alt: auto; mso-margin-top-alt: auto;">
Once
you’ve signed a sale and purchase agreement we can arrange for a building
inspection and valuation and have these available for you prior to going
unconditional. </div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal" style="mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; mso-outline-level: 4;">
<b>LIM Reports</b></div>
<div class="MsoNormal" style="mso-margin-bottom-alt: auto; mso-margin-top-alt: auto;">
A
LIM report is prepared by the council and is based on its property records. It
will tell you whether or not the property has the right consents and a code of
compliance. We do not arrange LIM reports. If you want a LIM report you will
need to order it from your Council. It costs around $150 and takes up to 10
days so order it immediately after signing the Sale and Purchase agreement.
Alternatively you can check the council’s property file yourself.</div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal" style="mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; mso-outline-level: 4;">
<b>The Lawyer and Signing Contracts</b></div>
<div class="MsoNormal" style="mso-margin-bottom-alt: auto; mso-margin-top-alt: auto;">
Your
Lawyer is an important part of the house buying process. The first question you
need to ask yourself is what level of service you require. There is a massive
range of Lawyers out there both in terms of quality of service, quality of
advice, and cost.</div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal" style="mso-margin-bottom-alt: auto; mso-margin-top-alt: auto;">
If
personal service is important then as one client put it, pay extra and go to a
reputable law firm. There are also a number of low cost transactional services
available. These work well provided you do not need advice or lots of
reassurance. Your lawyer will manage all dealings with the vendor (i.e.
confirming that you would like to go unconditional), they check that the title
of the property is clean, run through the mortgage documents with you, and
settle the funds.</div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal" style="mso-margin-bottom-alt: auto; mso-margin-top-alt: auto;">
If
you are outside of Auckland or Overseas, they will courier the mortgage
documents out to you to be signed in front of a Justice of the Peace or Public
Notary. For non-residents you do not need to come to New Zealand to buy
property. Just allow enough time for us to manage the paperwork back and forth.</div>
<h1>
<u><span style="color: windowtext;">Buying a Property – Use a Due Diligence
Clause</span></u></h1>
Buying a house is an exciting and frightening thing. <br />
Exciting - for all the obvious reasons.<br />
Frightening too because you may discover unpleasant things: “Did you hear
about Chris who bought a house and then found out some horrible things but
could not get out of it?”<br />
<br />
“Unpleasant things” could be:<br />
<div style="margin-left: .5in; mso-list: l3 level1 lfo4; text-indent: -.25in;">
<span style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span>Water-tightness issues</div>
<div style="margin-left: .5in; mso-list: l3 level1 lfo4; text-indent: -.25in;">
<span style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span>An inability to find finance</div>
<div style="margin-left: .5in; mso-list: l3 level1 lfo4; text-indent: -.25in;">
<span style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span>An unnoticed drain running very near the house</div>
<div style="margin-left: .5in; mso-list: l3 level1 lfo4; text-indent: -.25in;">
<span style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span>Discovering it was prone to flooding</div>
<div style="margin-left: .5in; mso-list: l3 level1 lfo4; text-indent: -.25in;">
<span style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span>Finding out that those alterations to the house
were done without a permit and may need to be demolished.</div>
All of these things – and more – can be avoided with the right clause
inserted in the sale and purchase agreement before you sign it.<br />
<br />
It is a known fact that real estate agents put a lot of pressure on you to
sign a purchase contract – preferably an unconditional contract – to get the
best deal for their client, the vendor.<br />
<br />
Having said that, it is the agent’s skill and training that will pull the
deal together. The agent gets you to pay as much as you can afford and
gets the vendor to accept as little they can afford to sell for.<br />
<br />
Almost all agents do a great job for their vendors and we enjoy working with
them. <br />
But what should you do when you are making an offer? <br />
The prudent and wise thing to do is to have as few conditions in the
agreement as possible, but make those conditions effective. <b style="mso-bidi-font-weight: normal;"><span style="font-family: "Cambria","serif"; mso-ascii-theme-font: major-latin; mso-hansi-theme-font: major-latin;">They need to
give you maximum possible protection so that if you find any “horrible things”
you can walk away</span></b>.<br />
<br />
The clause we recommend is a clause called “due diligence”. <br />
We recommend that you get the agent to insert it in the contract as clause
15.<br />
Once the vendor has signed the agreement this clause requires you to do
everything you can to confirm this contract. It does not just allow you to
change your mind later and walk away.<br />
<br />
You must make inquiries of your bank and other sources of finance to find
finance that you can afford.<br />
It allows you to get a building consultant to go through the property and
give you a report on its conditions. We strongly recommend that you do this.
You are also required to contact the local council and check on permits and
consents for the house. You can also have a valuer determine in their opinion
the value of the house and give you a written report. This clause allows you to
carry out whatever investigations you think you need to do.<br />
<br />
If as a result of these inquiries and reports something horrible does come
up, you can walk away from the agreement. You must then advise the vendors that
the contract is at an end.<br />
<br />
This clause does not cover the situation where you have a house to sell. If
you have to sell your own house then you must put in a clause which covers
that. The agent will have a clause that will do the trick. But make sure that
the agent does insert this clause in before you sign the contract.<br />
<br />
These are the magic words to create a “horrible things avoidance clause”:<br />
<strong><span style="font-family: "Cambria","serif"; mso-ascii-theme-font: major-latin; mso-fareast-font-family: "Times New Roman"; mso-fareast-theme-font: major-fareast; mso-hansi-theme-font: major-latin;">DUE DILIGENCE CLAUSE</span></strong><span style="font-family: "Cambria","serif"; mso-ascii-theme-font: major-latin; mso-hansi-theme-font: major-latin;"></span><br />
This agreement is entirely conditional upon the Purchaser in its sole
discretion being satisfied that the property is suitable for the Purchaser’s
intended uses following the Purchaser carrying out due diligence investigations
on the overall viability of the property and including but not limited to
searching any and all easements, and of any requirements of the local authority
or financier, this clause is for the sole benefit of the Purchaser and the
Purchaser shall have until 4pm on 10th working day from the date of this
contract to give to the Vendor’s solicitor notice that this clause is satisfied
failing which the contract shall be at an end. This clause may be waived by the
purchaser prior to the prescribed time at the sole discretion of the purchaser.<br />
Mortgage Mantrahttp://www.blogger.com/profile/13674347000250569912noreply@blogger.com3tag:blogger.com,1999:blog-2834030192867962529.post-4958059498634736842011-10-10T04:29:00.000-07:002011-10-10T04:29:47.713-07:00Reasons for Declined Mortgage Application<!--[if gte mso 9]><xml>
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<b style="mso-bidi-font-weight: normal;"><u><span style="font-size: 11.0pt;">REASONS FOR APPLICATION BEING
DECLINED</span></u></b></div>
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<ul style="margin-top: 0in;" type="disc">
<li class="MsoNormal" style="mso-list: l0 level1 lfo1; tab-stops: list .5in;"><span style="font-size: 11.0pt;">AGE FACTORS- UNDER AGED (BELOW 18) OR TOO OLD TO
BE ABLE TO SERVICE A 25 YEAR TERM BASED ON CURRENT PROFESSION…LENDERS
SHOULD NORMALLY NOT DISCRIMINATE AGAINST OLDER AGE</span></li>
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<ul style="margin-top: 0in;" type="disc">
<li class="MsoNormal" style="mso-list: l0 level1 lfo1; tab-stops: list .5in;"><span style="font-size: 11.0pt;">NON-RESIDENT OR OTHER VISA</span></li>
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<span style="font-size: 11.0pt;"></span></div>
<ul style="margin-top: 0in;" type="disc">
<li class="MsoNormal" style="mso-list: l0 level1 lfo1; tab-stops: list .5in;"><span style="font-size: 11.0pt;">DEPOSIT MAY NOT BE SAVED FOR REQUIRED PERIOD-LUMP
SUM/ONLY GIFTED DEPOSIT & NO EVIDENCE OF ANY SAVINGS FROM APPLICANT</span></li>
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<span style="font-size: 11.0pt;"></span></div>
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<li class="MsoNormal" style="mso-list: l0 level1 lfo1; tab-stops: list .5in;"><span style="font-size: 11.0pt;">SOURCE OF DEPOSIT NOT EXPLAINED SATISFACTORILY-NO
PAPER TRAIL</span></li>
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<span style="font-size: 11.0pt;"></span></div>
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<li class="MsoNormal" style="mso-list: l0 level1 lfo1; tab-stops: list .5in;"><span style="font-size: 11.0pt;">FREQUENT CHANGE OF EMPLOYMENT W/OUT VALID REASONS</span></li>
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<li class="MsoNormal" style="mso-list: l0 level1 lfo1; tab-stops: list .5in;"><span style="font-size: 11.0pt;">FREQUENT CHANGE OF RESIDENTIAL ADDRESS</span></li>
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<span style="font-size: 11.0pt;"></span></div>
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<li class="MsoNormal" style="mso-list: l0 level1 lfo1; tab-stops: list .5in;"><span style="font-size: 11.0pt;">INCOME IS EXTREMELY IRREGULAR- IRREGULAR DEPOSITS
TO A/C</span></li>
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<ul style="margin-top: 0in;" type="disc">
<li class="MsoNormal" style="mso-list: l0 level1 lfo1; tab-stops: list .5in;"><span style="font-size: 11.0pt;">SOURCE OF INCOME NOT CONFIRMED OR UNACCEPTABLE TO
LENDER</span></li>
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<span style="font-size: 11.0pt;"></span></div>
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<li class="MsoNormal" style="mso-list: l0 level1 lfo1; tab-stops: list .5in;"><span style="font-size: 11.0pt;">IN CURRENT EMPLOYMENT ROLE FOR BRIEF PERIOD WITH
NO PRIOR WORK HISTORY EITHER IN NZ OR OVERSEAS</span></li>
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<span style="font-size: 11.0pt;"></span></div>
<ul style="margin-top: 0in;" type="disc">
<li class="MsoNormal" style="mso-list: l0 level1 lfo1; tab-stops: list .5in;"><span style="font-size: 11.0pt;">INSUFFICIENT INCOME FOR AMOUNT REQUIRED AS ON
APPLICATION</span></li>
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<span style="font-size: 11.0pt;"></span></div>
<ul style="margin-top: 0in;" type="disc">
<li class="MsoNormal" style="mso-list: l0 level1 lfo1; tab-stops: list .5in;"><span style="font-size: 11.0pt;">TOO MANY EXTERNAL BORROWINGS – HP’S, CREDIT
CARDS/S, PERSONAL LOAN/S, DEFERRED INSTALMENT PLANS…</span></li>
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<span style="font-size: 11.0pt;"></span></div>
<ul style="margin-top: 0in;" type="disc">
<li class="MsoNormal" style="mso-list: l0 level1 lfo1; tab-stops: list .5in;"><span style="font-size: 11.0pt;">BANK ACCOUNT CONDUCT NOT ACCEPTABLE (REFER TIPS
OF LAST WEEK)</span></li>
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<span style="font-size: 11.0pt;"></span></div>
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<li class="MsoNormal" style="mso-list: l0 level1 lfo1; tab-stops: list .5in;"><span style="font-size: 11.0pt;">A/P’S & D/D’S REVERSED WITHOUT STRONG
REASONING</span></li>
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<li class="MsoNormal" style="mso-list: l0 level1 lfo1; tab-stops: list .5in;"><span style="font-size: 11.0pt;">INFO DISCLOSED IS INCORRECT / INCOMPLETE –
APPLICATION COULD EARLIER HAVE GONE TO SAME LENDER WITH DIFFERING
INFORMATION.</span></li>
<li class="MsoNormal" style="mso-list: l0 level1 lfo1; tab-stops: list .5in;"><span style="font-size: 11.0pt;">NON-DISCLOSURE OF INFO IS QUITE SERIOUSLY VIEWED</span></li>
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<li class="MsoNormal" style="mso-list: l0 level1 lfo1; tab-stops: list .5in;"><span style="font-size: 11.0pt;">IF REFINANCING – HAS MISSED REPAYMENTS ON HOME
LOAN TO PREVIOUS LENDER IN THE LAST 6 – 12 MONTHS</span></li>
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Mortgage Mantrahttp://www.blogger.com/profile/13674347000250569912noreply@blogger.com0tag:blogger.com,1999:blog-2834030192867962529.post-90980788482891581672011-10-10T04:27:00.000-07:002011-10-10T04:27:44.814-07:00Costs Related With the Mortgages<!--[if gte mso 9]><xml>
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<span style="font-size: small;"><b><u><span style="font-family: "Cambria","serif";">SOME
COSTS DIRECTLY RELATED WITH THE MORTGAGE – ESPECIALLY WHEN PURCHASING A
PROPERTY</span></u></b></span></div>
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<br /></div>
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<span style="font-size: small;"><b><u><span style="font-family: "Cambria","serif";">SOLICITOR
- $750 TO $ 1,000 OR EVEN MORE</span></u></b></span></div>
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<br /></div>
<div class="MsoNormal" style="margin-left: 0.5in; text-indent: -0.25in;">
<span style="font-size: small;"><span style="font-family: Symbol;"><span> ·<span style="-moz-font-feature-settings: normal; -moz-font-language-override: normal; font-family: "Times New Roman"; font-size-adjust: none; font-stretch: normal; font-style: normal; font-variant: normal; font-weight: normal; line-height: normal;"> </span></span></span><span style="font-family: "Cambria","serif";">TITLE CHECK, LIM REPORT
CHECK </span></span></div>
<div class="MsoNormal" style="margin-left: 0.5in; text-indent: -0.25in;">
<span style="font-size: small;"><span style="font-family: Symbol;"> <span>·<span style="-moz-font-feature-settings: normal; -moz-font-language-override: normal; font-family: "Times New Roman"; font-size-adjust: none; font-stretch: normal; font-style: normal; font-variant: normal; font-weight: normal; line-height: normal;"> </span></span></span><span style="font-family: "Cambria","serif";">MORTGAGE DOCUMENTATION,
TITLE REGISTRATION,ETC</span></span></div>
<div class="MsoNormal" style="margin-left: 0.5in; text-indent: -0.25in;">
<span style="font-size: small;"><span style="font-family: Symbol;"> <span>·<span style="-moz-font-feature-settings: normal; -moz-font-language-override: normal; font-family: "Times New Roman"; font-size-adjust: none; font-stretch: normal; font-style: normal; font-variant: normal; font-weight: normal; line-height: normal;"> </span></span></span><span style="font-family: "Cambria","serif";">EXTRA COSTS DEPENDING ON
OTHER WORK</span></span></div>
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<br /></div>
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<span style="font-size: small;"><b><u><span style="font-family: "Cambria","serif";">LIM
REPORT - $ 300 APPROXIMATELY-</span></u></b></span></div>
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<span style="font-size: small;"><b><u><span style="font-family: "Cambria","serif";"><span style="text-decoration: none;"><br /></span></span></u></b></span></div>
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<span style="font-size: small;"><span style="font-family: Symbol;"><span>·<span style="-moz-font-feature-settings: normal; -moz-font-language-override: normal; font-family: "Times New Roman"; font-size-adjust: none; font-stretch: normal; font-style: normal; font-variant: normal; font-weight: normal; line-height: normal;"> </span></span></span><span style="font-family: "Cambria","serif";">DETAILS OF PLANS
SANCTIONED</span></span></div>
<div class="MsoNormal" style="margin-left: 0.5in; text-indent: -0.25in;">
<span style="font-size: small;"><span style="font-family: Symbol;"><span>·<span style="-moz-font-feature-settings: normal; -moz-font-language-override: normal; font-family: "Times New Roman"; font-size-adjust: none; font-stretch: normal; font-style: normal; font-variant: normal; font-weight: normal; line-height: normal;"> </span></span></span><span style="font-family: "Cambria","serif";">PROPERTY HISTORY,
FLOODING RISKS, ILLEGALLY ERECTED STRUCTURES, SOIL CONTAMINATION, COVENANTS,ETC</span></span></div>
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<br /></div>
<div class="MsoNormal">
<span style="font-size: small;"><b><u><span style="font-family: "Cambria","serif";">RVR
- $45<a href="" name="_GoBack"></a>0 - $600- DEPENDING ON SIZE OF PROPERTY</span></u></b></span></div>
<div class="MsoNormal">
<span style="font-size: small;"><b><u><span style="font-family: "Cambria","serif";"><span style="text-decoration: none;"><br /></span></span></u></b></span></div>
<div class="MsoNormal" style="margin-left: 0.5in; text-indent: -0.25in;">
<span style="font-size: small;"><span style="font-family: Symbol;"><span>·<span style="-moz-font-feature-settings: normal; -moz-font-language-override: normal; font-family: "Times New Roman"; font-size-adjust: none; font-stretch: normal; font-style: normal; font-variant: normal; font-weight: normal; line-height: normal;"> </span></span></span><span style="font-family: "Cambria","serif";">RV REQUIREMENT DEPENDS
ON LENDER. </span></span></div>
<div class="MsoNormal" style="margin-left: 0.5in; text-indent: -0.25in;">
<span style="font-size: small;"><span style="font-family: Symbol;"><span>·<span style="-moz-font-feature-settings: normal; -moz-font-language-override: normal; font-family: "Times New Roman"; font-size-adjust: none; font-stretch: normal; font-style: normal; font-variant: normal; font-weight: normal; line-height: normal;"> </span></span></span><span style="font-family: "Cambria","serif";">REQUIRED WITH PRIVATE
TREATY – ALSO DEPENDS ON LENDER, PP AND CV</span></span></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<span style="font-size: small;"><b><u><span style="font-family: "Cambria","serif";">BUILDING
INSPECTION $ 350 TO $500-PEACE OF MIND</span></u></b></span></div>
<div class="MsoNormal">
<span style="font-size: small;"><b><u><span style="font-family: "Cambria","serif";"><span style="text-decoration: none;"><br /></span></span></u></b></span></div>
<div class="MsoNormal">
<span style="font-size: small;"><u><span style="font-family: "Cambria","serif";">TRUST FORMATION - $ 1500 ONWARDS</span></u></span></div>
<div class="MsoNormal">
<span style="font-size: small;"><span style="font-family: "Cambria","serif";">-DISCUSS WITH YOUR SOLICITOR</span></span></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<span style="font-size: small;"><b><u><span style="font-family: "Cambria","serif";">LTC
- $300 ONWARDS</span></u></b></span></div>
<div class="MsoNormal" style="margin-left: 0.5in; text-indent: -0.25in;">
<span style="font-size: small;"><span style="font-family: Symbol;"><span>·<span style="-moz-font-feature-settings: normal; -moz-font-language-override: normal; font-family: "Times New Roman"; font-size-adjust: none; font-stretch: normal; font-style: normal; font-variant: normal; font-weight: normal; line-height: normal;">
</span></span></span><span style="font-family: "Cambria","serif";">THROUGH AN ACCOUNTANT OR SOLICITOR </span></span></div>
<div class="MsoNormal" style="margin-left: 0.5in; text-indent: -0.25in;">
<span style="font-size: small;"><span style="font-family: Symbol;"><span>·<span style="-moz-font-feature-settings: normal; -moz-font-language-override: normal; font-family: "Times New Roman"; font-size-adjust: none; font-stretch: normal; font-style: normal; font-variant: normal; font-weight: normal; line-height: normal;">
</span></span></span><span style="font-family: "Cambria","serif";">YOU CAN FORM IT ONLINE YOURSELF-RENTAL PROPERTY
BENEFITS</span></span></div>
<div class="MsoNormal">
<span style="font-size: small;"><b><u><span style="font-family: "Cambria","serif";"><span style="text-decoration: none;"><br /></span></span></u></b></span></div>
<div class="MsoNormal">
<span style="font-size: small;"><b><u><span style="font-family: "Cambria","serif";">LOW
EQUITY FEE/MARGIN</span></u></b></span></div>
<div class="MsoNormal">
<span style="font-size: small;"><b><u><span style="font-family: "Cambria","serif";"><span style="text-decoration: none;"><br /></span></span></u></b></span></div>
<div class="MsoNormal" style="margin-left: 0.5in; text-indent: -0.25in;">
<span style="font-size: small;"><span style="font-family: Symbol;"><span>·<span style="-moz-font-feature-settings: normal; -moz-font-language-override: normal; font-family: "Times New Roman"; font-size-adjust: none; font-stretch: normal; font-style: normal; font-variant: normal; font-weight: normal; line-height: normal;">
</span></span></span><span style="font-family: "Cambria","serif";">DEPENDENT ON LVR – NIL FOR LVR BELOW 80%</span></span></div>
<div class="MsoNormal" style="margin-left: 0.5in; text-indent: -0.25in;">
<span style="font-size: small;"><span style="font-family: Symbol;"><span>·<span style="-moz-font-feature-settings: normal; -moz-font-language-override: normal; font-family: "Times New Roman"; font-size-adjust: none; font-stretch: normal; font-style: normal; font-variant: normal; font-weight: normal; line-height: normal;">
</span></span></span><span style="font-family: "Cambria","serif";">CAN BE NIL UP TO 85% LVER AT TIMES</span></span></div>
<div class="MsoNormal" style="margin-left: 0.5in; text-indent: -0.25in;">
<span style="font-size: small;"><span style="font-family: Symbol;"><span>·<span style="-moz-font-feature-settings: normal; -moz-font-language-override: normal; font-family: "Times New Roman"; font-size-adjust: none; font-stretch: normal; font-style: normal; font-variant: normal; font-weight: normal; line-height: normal;">
</span></span></span><span style="font-family: "Cambria","serif";">IS EITHER A FEE OR A MARGIN ON THE INTEREST RATE</span></span></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<span style="font-size: small;"><b><u><span style="font-family: "Cambria","serif";">APPLICATION
FEES_-CAN BE NEGOTIATED MOST OF THE TIME TO NIL</span></u></b></span></div>
<div class="MsoNormal">
<span style="font-size: small;"><b><u><span style="font-family: "Cambria","serif";"><span style="text-decoration: none;"><br /></span></span></u></b></span></div>
<div class="MsoNormal">
<span style="font-size: small;"><span style="font-family: "Cambria","serif";">AFTER THE MORTGAGE </span></span></div>
<div class="MsoNormal" style="margin-left: 0.5in; text-indent: -0.25in;">
<span style="font-size: small;"><span style="font-family: Symbol;"><span>·<span style="-moz-font-feature-settings: normal; -moz-font-language-override: normal; font-family: "Times New Roman"; font-size-adjust: none; font-stretch: normal; font-style: normal; font-variant: normal; font-weight: normal; line-height: normal;">
</span></span></span><span style="font-family: "Cambria","serif";">HOME INSURANCE - $40 ONWARDS</span></span></div>
<div class="MsoNormal" style="margin-left: 0.5in; text-indent: -0.25in;">
<span style="font-size: small;"><span style="font-family: Symbol;"><span>·<span style="-moz-font-feature-settings: normal; -moz-font-language-override: normal; font-family: "Times New Roman"; font-size-adjust: none; font-stretch: normal; font-style: normal; font-variant: normal; font-weight: normal; line-height: normal;">
</span></span></span><span style="font-family: "Cambria","serif";">CONTENTS INSURANCE – YOUR CHOICE</span></span></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<span style="font-size: small;"><span style="font-family: "Cambria","serif";">WATER RATES – DEPENDING ON USAGE -$100 PER MONTH ON AVERAGE, CAN BE MORE DEPENDING ON
FAMILY SIZE</span></span></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal" style="margin-left: 0.5in; text-indent: -0.25in;">
<span style="font-size: small;"><span style="font-family: Symbol;"><span>·<span style="-moz-font-feature-settings: normal; -moz-font-language-override: normal; font-family: "Times New Roman"; font-size-adjust: none; font-stretch: normal; font-style: normal; font-variant: normal; font-weight: normal; line-height: normal;">
</span></span></span><span style="font-family: "Cambria","serif";">COUNCIL RATES </span></span></div>
<div class="MsoNormal" style="margin-left: 0.5in; text-indent: -0.25in;">
<span style="font-size: small;"><span style="font-family: Symbol;"><span>·<span style="-moz-font-feature-settings: normal; -moz-font-language-override: normal; font-family: "Times New Roman"; font-size-adjust: none; font-stretch: normal; font-style: normal; font-variant: normal; font-weight: normal; line-height: normal;">
</span></span></span><span style="font-family: "Cambria","serif";">ARC CHARGES (BETWEEN $200 - $300PER ANNUM FOR AUCKLANDERS)</span></span></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<span style="font-size: small;"><span style="font-family: "Cambria","serif";">LOAN REPAYMENTS</span></span></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal" style="margin-left: 0.5in; text-indent: -0.25in;">
<span style="font-size: small;"><span style="font-family: Symbol;"><span>·<span style="-moz-font-feature-settings: normal; -moz-font-language-override: normal; font-family: "Times New Roman"; font-size-adjust: none; font-stretch: normal; font-style: normal; font-variant: normal; font-weight: normal; line-height: normal;">
</span></span></span><span style="font-family: "Cambria","serif";">LIFE</span><span style="font-family: "Cambria","serif";"> INSURANCE/TRAUMA/DISABILITY</span></span></div>
<div class="MsoNormal" style="margin-left: 0.5in; text-indent: -0.25in;">
<span style="font-size: small;"><span style="font-family: Symbol;"><span>·<span style="-moz-font-feature-settings: normal; -moz-font-language-override: normal; font-family: "Times New Roman"; font-size-adjust: none; font-stretch: normal; font-style: normal; font-variant: normal; font-weight: normal; line-height: normal;">
</span></span></span><span style="font-family: "Cambria","serif";">MORTGAGE PROTECTION INSURANCE</span></span></div>
<div class="MsoNormal" style="margin-left: 0.5in; text-indent: -0.25in;">
<span style="font-size: small;"><span style="font-family: Symbol;"><span>·<span style="-moz-font-feature-settings: normal; -moz-font-language-override: normal; font-family: "Times New Roman"; font-size-adjust: none; font-stretch: normal; font-style: normal; font-variant: normal; font-weight: normal; line-height: normal;">
</span></span></span><span style="font-family: "Cambria","serif";">HEALTH/MEDICAL INSURANCE</span></span></div>
<div class="MsoNormal" style="margin-left: 0.5in; text-indent: -0.25in;">
<span style="font-size: small;"><span style="font-family: Symbol;"><span>·<span style="-moz-font-feature-settings: normal; -moz-font-language-override: normal; font-family: "Times New Roman"; font-size-adjust: none; font-stretch: normal; font-style: normal; font-variant: normal; font-weight: normal; line-height: normal;">
</span></span></span><span style="font-family: "Cambria","serif";">INCOME PROTECTION INSURANCE</span></span></div>
<div class="MsoNormal" style="margin-left: 0.5in; text-indent: -0.25in;">
<span style="font-size: small;"><span style="font-family: Symbol;"><span>·<span style="-moz-font-feature-settings: normal; -moz-font-language-override: normal; font-family: "Times New Roman"; font-size-adjust: none; font-stretch: normal; font-style: normal; font-variant: normal; font-weight: normal; line-height: normal;">
</span></span></span><span style="font-family: "Cambria","serif";">REDUNDANCY INSURANCE</span></span></div>
<div class="MsoNormal">
<span style="font-size: small;"><b><u><span style="font-family: "Cambria","serif";"><span style="text-decoration: none;"><br /></span></span></u></b></span></div>
<div class="MsoNormal">
<span style="font-size: small;"><b><u><span style="font-family: "Cambria","serif";">23.08.2010</span></u></b></span></div>
<div class="MsoNormal">
<span style="font-size: small;"><b><u><span style="font-family: "Cambria","serif";">30.08.2010</span></u></b></span></div>
<div class="MsoNormal">
<span style="font-size: small;"><b><u><span style="font-family: "Cambria","serif";"><span style="text-decoration: none;"><br /></span></span></u></b></span></div>
<div class="MsoNormal">
<span style="font-size: small;"><b><u><span style="font-family: "Cambria","serif";">preparing
for the unexpected</span></u></b><span style="font-family: "Cambria","serif";"></span></span></div>
<div class="MsoNormal">
<span style="font-size: small;"><span style="font-family: "Cambria","serif";"></span></span></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<span style="font-size: small;"><b><u><span style="font-family: "Cambria","serif";">3
THINGS TO BE AWARE OF WHEN TAKING ON A MORTGAGE:</span></u></b></span></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal" style="margin-left: 0.5in; text-indent: -0.25in;">
<span style="font-size: small;"><span style="font-family: "Cambria","serif";"><span>1)<span style="-moz-font-feature-settings: normal; -moz-font-language-override: normal; font-family: "Times New Roman"; font-size-adjust: none; font-stretch: normal; font-style: normal; font-variant: normal; font-weight: normal; line-height: normal;"> </span></span></span><span style="font-family: "Cambria","serif";">LOAN IS APPROVED UNDER A SET OF CIRCUMSTANCES…INCLUDING INCOMES ( JOINT
OR INDIVIDUAL INCOMES)…LOT OF APPLICATIONS RELY ON ONE
OR MORE OF THE APPLICANT WORKING MORE THAN
1 JOB TO SERVICE THE LOAN…WHAT
WILL HAPPEN TO LOAN REPAYMENTS IF 1 INCOME IS LOST OR JOBS ARE LOST IN AN UNEXPECTED SITUATION? PREPARE FOR
THESE SITUATIONS BY NOT BORROWING TO THE</span><span style="font-family: "Cambria","serif";">MAXIMUM AND ALSO</span><span style="font-family: "Cambria","serif";">PROVIDING FOR A LITTLE
BIT OF EXTRA REPAYMENTS WHEN THE
LOAN REPAYMENTS START…THIS WAY YOU CAN REQUEST THE LENDER TO RESTRUCTURE THE
LOAN AND SCALE BACK REPAYMENTS.</span></span></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal" style="margin-left: 0.5in; text-indent: -0.25in;">
<span style="font-size: small;"><span style="font-family: "Cambria","serif";"><span>2)<span style="-moz-font-feature-settings: normal; -moz-font-language-override: normal; font-family: "Times New Roman"; font-size-adjust: none; font-stretch: normal; font-style: normal; font-variant: normal; font-weight: normal; line-height: normal;"> </span></span></span><span style="font-family: "Cambria","serif";">PROPERTY PRICES WIL CHANGE WITH TIME…YOU WILL EXPERIENCE PRICE SWINGS IN
BOTH DIRECTIONS….DO NOT BE DISTURBED BY DOWNWARD SWINGS IN PRICES….ENSURE YOU
BUY AT THE APPROPRIATE PRICE…THERE IS NO FOOLPROOF METHOD TO ENSURE THIS…YOU
HAVE TO DO YOUR HOMEWORK BEFORE BUYING AND
MAKING YOUR OFFER.</span></span></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal" style="margin-left: 0.5in; text-indent: -0.25in;">
<span style="font-size: small;"><span style="font-family: "Cambria","serif";"><span>3)<span style="-moz-font-feature-settings: normal; -moz-font-language-override: normal; font-family: "Times New Roman"; font-size-adjust: none; font-stretch: normal; font-style: normal; font-variant: normal; font-weight: normal; line-height: normal;"> </span></span></span><span style="font-family: "Cambria","serif";">LOAN REPAYMENTS ARE BASED ON
CURRENT INTEREST RATES AND WILL
CHANGE WITH TIME. BE PREPARED FOR HIGHER REPAYMENTS WHEN INTEREST RATES
INCREASE. ONE WAY OF PREPARING IS
TO TRYAND
START MAKING REPAYMENTS AT HIGHER INTEREST RATE
LEVELS IF THE FAMILY BUDGET ALLOWS YOU TO. THIS WAY YOU ARE
NOT TOO MUCH BOTHERED WHEN AN
INTEREST RATE HIKE INCREASES YOUR
REPAYMENT.</span></span></div>
<div class="MsoNormal">
<span style="font-size: small;"><b><span style="font-family: "Cambria","serif";"> </span></b></span></div>
<div class="MsoNormal">
<span style="font-size: small;"><b><span style="font-family: "Cambria","serif";">IF
YOU ARE NOT PREPARED FOR EVEN ONE OF THE ABOVE THREE, TAKING A MORTGAGE IS NOT AN
OPTION YOU SHOULD SERIOUSLY CONSIDER.</span></b></span></div>
Mortgage Mantrahttp://www.blogger.com/profile/13674347000250569912noreply@blogger.com0tag:blogger.com,1999:blog-2834030192867962529.post-10166264815172773272011-10-10T04:25:00.000-07:002011-10-10T04:25:08.368-07:00Situation changed after taking mortgage<!--[if gte mso 9]><xml>
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<div class="MsoNormal">
Have you insured your home, contents, car, life, incomes,
and health?</div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
IF YOU HAVE NOT DONE THIS- DO YOU HAVE A STRONG REASON? LET
ME KNOW SO THAT I CAN SHARE IT WITH OTHER LISTENERS.</div>
<div class="MsoNormal">
WHAT HAVE YOU LEARNED FROM THE RECENT CHRISTCHURCH EARTHQUAKE?</div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
Situations can change overnight in life …especially in a
mortgage situation. At least banks have now given borrowers a 3 month loan
repayment holiday in South Island.</div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
Incomes change – can be lost or reduced, separations &
personal tragedies can happen</div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
External borrowings go out of control – we do not realize we
are borrowing and living beyond our means…the trap is especially with
interest-free promotions &/or car hp’s</div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
You have borrowed influenced by what you felt were very
attractive offers.</div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
You suddenly find you cannot make a loan installment payment
on the due date – you did not budget and therefore borrowed more than you could
service</div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
To make payments work – u start delaying the hp repayments
or missing them altogether</div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
The HP Company sends you a notice… You then make up the
payments on the HP</div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
The home loan repayment is missed or delayed – the bank
calls you or sends a letter</div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
Other necessary expenses are delayed…insurances are stopped
or delayed…this will affect you if the need to make a claim arises</div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
In no time you have a small repayment crisis on your hands… STOP
HERE</div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
Talk to the concerned lenders – both the bank & the hire
purchase provider…..put things in writing asking for some time to enable you
think of a solution</div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
Check if you have enough equity in your property to
consolidate the borrowings…check if you also have sufficient income to service
the consolidated loan</div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
In many cases, you are able to consolidate the loans</div>
<div class="MsoNormal">
<b style="mso-bidi-font-weight: normal;"><span style="font-family: "Cambria","serif";">CALL MORTGAGE MANTRA IF YOU ARE IN A SIMILAR SITUATION</span></b></div>
<div class="MsoNormal">
OUT OF 100 PEOPLE WHO START WORK
AT AGE 25 & REACH AGE 65:</div>
<div class="MsoNormal">
1 IS WEALTHY, 4 HAVE ENOUGH SAVINGS TO TAKE CARE OF RETIREMENT</div>
<div class="MsoNormal">
3 ARE STILL
WORKING, 63 DEPEND ON SOCIAL SECURITY OR WELFARE OR FAMILY & FRIENDS…..29 ARE DEAD</div>
Mortgage Mantrahttp://www.blogger.com/profile/13674347000250569912noreply@blogger.com0tag:blogger.com,1999:blog-2834030192867962529.post-18828757405541815122011-10-10T04:23:00.000-07:002011-10-10T04:23:16.750-07:00Buying a home isn't easy<!--[if gte mso 9]><xml>
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<span class="apple-style-span"><span style="color: black; font-family: "Lucida Sans Unicode","sans-serif"; font-size: 10.0pt;">Buying a home isn't
easy. WHY?</span></span></div>
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<br /></div>
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<span class="apple-style-span"><b style="mso-bidi-font-weight: normal;"><span style="color: black; font-family: "Lucida Sans Unicode","sans-serif"; font-size: 10.0pt;">There are expensive and overpricedhouses</span></b></span><span class="apple-style-span"><span style="color: black; font-family: "Lucida Sans Unicode","sans-serif"; font-size: 10.0pt;">.</span></span></div>
<div class="MsoNormal">
<br /></div>
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<span class="apple-style-span"><b style="mso-bidi-font-weight: normal;"><span style="color: black; font-family: "Lucida Sans Unicode","sans-serif"; font-size: 10.0pt;">There are poorly maintained homes.</span></b></span></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<span class="apple-style-span"><b style="mso-bidi-font-weight: normal;"><span style="color: black; font-family: "Lucida Sans Unicode","sans-serif"; font-size: 10.0pt;">There are the 90s leaky buildings. </span></b></span></div>
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<br /></div>
<div class="MsoNormal">
<span class="apple-style-span"><span style="color: black; font-family: "Lucida Sans Unicode","sans-serif"; font-size: 10.0pt;">Many prospective buyers
have been to upward of 15-20 open homes before they find something they like.</span></span></div>
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<br /></div>
<div class="MsoNormal">
<span class="apple-style-span"><span style="color: black; font-family: "Lucida Sans Unicode","sans-serif"; font-size: 10.0pt;">They're competing
with others for that same property. </span></span></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<span class="apple-style-span"><span style="color: black; font-family: "Lucida Sans Unicode","sans-serif"; font-size: 10.0pt;">There are some
bargains around but to secure one requires patience, detachment and clarity of
purpose.</span></span></div>
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<br /></div>
<div class="MsoNormal">
<span class="apple-style-span"><span style="color: black; font-family: "Lucida Sans Unicode","sans-serif"; font-size: 10.0pt;">If you're buying in
this market, it's <b style="mso-bidi-font-weight: normal;"><u>important to do
your homework</u></b> more than ever. </span></span></div>
<div class="MsoNormal">
<span class="apple-style-span"><span style="color: black; font-family: "Lucida Sans Unicode","sans-serif"; font-size: 10.0pt;">Some tips for you:</span></span></div>
<div class="MsoNormal">
<br /></div>
<div style="line-height: 13.5pt; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: .5in; margin-right: 0in; margin-top: 0in; mso-list: l0 level1 lfo1; text-indent: -.25in;">
<span class="apple-converted-space"><b style="mso-bidi-font-weight: normal;"><span style="color: black; font-family: "Lucida Sans Unicode","sans-serif"; font-size: 10.0pt; mso-fareast-font-family: "Lucida Sans Unicode";"><span style="mso-list: Ignore;">1.<span style="font: 7.0pt "Times New Roman";">
</span></span></span></b></span><b><span style="color: black; font-family: "Lucida Sans Unicode","sans-serif"; font-size: 10.0pt;">Go hard and fast.</span></b><span class="apple-converted-space"><span style="color: black; font-family: "Lucida Sans Unicode","sans-serif"; font-size: 10.0pt;"> </span></span></div>
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<b style="mso-bidi-font-weight: normal;"><span style="color: black; font-family: "Lucida Sans Unicode","sans-serif"; font-size: 10.0pt;">In your first few weeks get out and see as many properties as you
can. </span></b><span style="color: black; font-family: "Lucida Sans Unicode","sans-serif"; font-size: 10.0pt;">The faster you get an understanding of the market, the faster
you'll appreciate what a good property looks like and what you're prepared to
pay for it. You need to move quickly if you find a great buy.</span></div>
<div style="line-height: 13.5pt; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: .5in; margin-right: 0in; margin-top: 0in;">
<br /></div>
<div style="line-height: 13.5pt; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: .5in; margin-right: 0in; margin-top: 0in; mso-list: l0 level1 lfo1; text-indent: -.25in;">
<b style="mso-bidi-font-weight: normal;"><span style="color: black; font-family: "Lucida Sans Unicode","sans-serif"; font-size: 10.0pt; mso-fareast-font-family: "Lucida Sans Unicode";"><span style="mso-list: Ignore;">2.<span style="font: 7.0pt "Times New Roman";">
</span></span></span></b><b><span style="color: black; font-family: "Lucida Sans Unicode","sans-serif"; font-size: 10.0pt;">Be realistic.</span></b><span class="apple-converted-space"><span style="color: black; font-family: "Lucida Sans Unicode","sans-serif"; font-size: 10.0pt;"> </span></span><span style="color: black; font-family: "Lucida Sans Unicode","sans-serif"; font-size: 10.0pt;">A number of first -home buyers
start their hunt looking at properties (and going to auctions) well above what
they can afford. Eventually they are tired and <b style="mso-bidi-font-weight: normal;"><u>start looking in the right price range</u></b>.</span></div>
<div style="line-height: 13.5pt; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: .5in; margin-right: 0in; margin-top: 0in;">
<br /></div>
<div style="line-height: 13.5pt; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: .5in; margin-right: 0in; margin-top: 0in; mso-list: l0 level1 lfo1; text-indent: -.25in;">
<b style="mso-bidi-font-weight: normal;"><span style="color: black; font-family: "Lucida Sans Unicode","sans-serif"; font-size: 10.0pt; mso-fareast-font-family: "Lucida Sans Unicode";"><span style="mso-list: Ignore;">3.<span style="font: 7.0pt "Times New Roman";">
</span></span></span></b><b><span style="color: black; font-family: "Lucida Sans Unicode","sans-serif"; font-size: 10.0pt;">Be inquisitive.</span></b><span class="apple-converted-space"><span style="color: black; font-family: "Lucida Sans Unicode","sans-serif"; font-size: 10.0pt;"> </span></span><b style="mso-bidi-font-weight: normal;"><span style="color: black; font-family: "Lucida Sans Unicode","sans-serif"; font-size: 10.0pt;">If a place is cheap (and looks good) it's usually because
something is wrong with it.</span></b><span style="color: black; font-family: "Lucida Sans Unicode","sans-serif"; font-size: 10.0pt;"> Do some basic checks yourself
before paying to get a building inspection.</span></div>
<div class="MsoListParagraph">
<br /></div>
<div style="line-height: 13.5pt; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: .5in; margin-right: 0in; margin-top: 0in;">
<br /></div>
<div style="line-height: 13.5pt; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: .5in; margin-right: 0in; margin-top: 0in; mso-list: l0 level1 lfo1; text-indent: -.25in;">
<b style="mso-bidi-font-weight: normal;"><span style="color: black; font-family: "Lucida Sans Unicode","sans-serif"; font-size: 10.0pt; mso-fareast-font-family: "Lucida Sans Unicode";"><span style="mso-list: Ignore;">4.<span style="font: 7.0pt "Times New Roman";">
</span></span></span></b><b><span style="color: black; font-family: "Lucida Sans Unicode","sans-serif"; font-size: 10.0pt;">Check that everything works.</span></b><span class="apple-converted-space"><span style="color: black; font-family: "Lucida Sans Unicode","sans-serif"; font-size: 10.0pt;"> </span></span><span style="color: black; font-family: "Lucida Sans Unicode","sans-serif"; font-size: 10.0pt;">A building inspection will
throw up structural issues with a house but could miss the small stuff such as
heated towel rails, spa pool, dishwasher, dryer, drains, hot water, central
heating, fans and oven.</span></div>
<div style="line-height: 13.5pt; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: .5in; margin-right: 0in; margin-top: 0in;">
<br /></div>
<div style="line-height: 13.5pt; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: .5in; margin-right: 0in; margin-top: 0in; mso-list: l0 level1 lfo1; text-indent: -.25in;">
<b style="mso-bidi-font-weight: normal;"><span style="color: black; font-family: "Lucida Sans Unicode","sans-serif"; font-size: 10.0pt; mso-fareast-font-family: "Lucida Sans Unicode";"><span style="mso-list: Ignore;">5.<span style="font: 7.0pt "Times New Roman";">
</span></span></span></b><b><span style="color: black; font-family: "Lucida Sans Unicode","sans-serif"; font-size: 10.0pt;">Consciously appoint your
advisers.</span></b><span class="apple-converted-space"><span style="color: black; font-family: "Lucida Sans Unicode","sans-serif"; font-size: 10.0pt;"> </span></span><span style="color: black; font-family: "Lucida Sans Unicode","sans-serif"; font-size: 10.0pt;">(Broker/banker, lawyer and building inspector).</span></div>
<div class="MsoListParagraph">
<br /></div>
<div style="line-height: 13.5pt; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: .5in; margin-right: 0in; margin-top: 0in;">
<br /></div>
<div style="line-height: 13.5pt; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: .5in; margin-right: 0in; margin-top: 0in; mso-list: l0 level1 lfo1; text-indent: -.25in;">
<b style="mso-bidi-font-weight: normal;"><span style="color: black; font-family: "Lucida Sans Unicode","sans-serif"; font-size: 10.0pt; mso-fareast-font-family: "Lucida Sans Unicode";"><span style="mso-list: Ignore;">6.<span style="font: 7.0pt "Times New Roman";">
</span></span></span></b><b><span style="color: black; font-family: "Lucida Sans Unicode","sans-serif"; font-size: 10.0pt;">Make sure you can afford the
mortgage.</span></b><span class="apple-converted-space"><span style="color: black; font-family: "Lucida Sans Unicode","sans-serif"; font-size: 10.0pt;"> </span></span><span style="color: black; font-family: "Lucida Sans Unicode","sans-serif"; font-size: 10.0pt;">Banks will approve you for more than you can afford. <b style="mso-bidi-font-weight: normal;"><u>It's important to have a realistic
budget and to plan on higher interest rates</u></b>.</span></div>
<div style="line-height: 13.5pt; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: .5in; margin-right: 0in; margin-top: 0in;">
<br /></div>
<div style="line-height: 13.5pt; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: .5in; margin-right: 0in; margin-top: 0in; mso-list: l0 level1 lfo1; text-indent: -.25in;">
<b style="mso-bidi-font-weight: normal;"><span style="color: black; font-family: "Lucida Sans Unicode","sans-serif"; font-size: 10.0pt; mso-fareast-font-family: "Lucida Sans Unicode";"><span style="mso-list: Ignore;">7.<span style="font: 7.0pt "Times New Roman";">
</span></span></span></b><b><span style="color: black; font-family: "Lucida Sans Unicode","sans-serif"; font-size: 10.0pt;">Plan your mortgage properly.</span></b><span class="apple-converted-space"><span style="color: black; font-family: "Lucida Sans Unicode","sans-serif"; font-size: 10.0pt;"> </span></span><span style="color: black; font-family: "Lucida Sans Unicode","sans-serif"; font-size: 10.0pt;">If you're going to have kids,
travel overseas, go back to study, <b style="mso-bidi-font-weight: normal;"><u>work
out what that means in advance for your budget</u></b>.</span></div>
<div class="MsoListParagraph">
<br /></div>
<div style="line-height: 13.5pt; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: .5in; margin-right: 0in; margin-top: 0in;">
<br /></div>
<div style="line-height: 13.5pt; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: .5in; margin-right: 0in; margin-top: 0in;">
<br /></div>
<div style="line-height: 13.5pt; margin-bottom: .0001pt; margin: 0in;">
<b><span style="color: black; font-family: "Lucida Sans Unicode","sans-serif"; font-size: 10.0pt;"> 8. Pay more than the minimum.</span></b><span class="apple-converted-space"><span style="color: black; font-family: "Lucida Sans Unicode","sans-serif"; font-size: 10.0pt;"> </span></span><span style="color: black; font-family: "Lucida Sans Unicode","sans-serif"; font-size: 10.0pt;">If you pay the minimum you will
not get ahead and your mortgage costs will increase when rates go up. Getting
mortgage-free in 10 or 15 years is easy if you are disciplined about it.</span></div>
<div style="line-height: 13.5pt; margin-bottom: .0001pt; margin: 0in;">
<br /></div>
<div style="line-height: 13.5pt; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: .25in; margin-right: 0in; margin-top: 0in;">
<b><span style="color: black; font-family: "Lucida Sans Unicode","sans-serif"; font-size: 10.0pt;">9.Get independent
advice.</span></b><span class="apple-converted-space"><span style="color: black; font-family: "Lucida Sans Unicode","sans-serif"; font-size: 10.0pt;"> </span></span><span style="color: black; font-family: "Lucida Sans Unicode","sans-serif"; font-size: 10.0pt;">There are a large number of packages out in the market, low equity
fees to watch out for and different lending criteria across banks. A good mortgage
adviser can look at all of the options to make sure you get the best possible
outcome. That may end up being your own bank, but at least they could present
you with different options.</span></div>
<div style="line-height: 13.5pt; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: .5in; margin-right: 0in; margin-top: 0in;">
<br /></div>
<div style="line-height: 13.5pt; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: .5in; margin-right: 0in; margin-top: 0in;">
<br /></div>
<div style="line-height: 13.5pt; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: .25in; margin-right: 0in; margin-top: 0in;">
<b><span style="color: black; font-family: "Lucida Sans Unicode","sans-serif"; font-size: 10.0pt;">10.<a href="" name="_GoBack"></a>Avoid
consumer finance.</span></b><span class="apple-converted-space"><span style="color: black; font-family: "Lucida Sans Unicode","sans-serif"; font-size: 10.0pt;"> </span></span><span style="color: black; font-family: "Lucida Sans Unicode","sans-serif"; font-size: 10.0pt;">Although a hire purchase may be
interest-free, at some point it needs to be repaid and will then impact on how
easy it is to live with your mortgage.</span></div>
<div class="MsoListParagraph">
<br /></div>
<div style="line-height: 13.5pt; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: .5in; margin-right: 0in; margin-top: 0in;">
<br /></div>
<div style="line-height: 13.5pt; margin-bottom: .0001pt; margin: 0in;">
<b><span style="color: black; font-family: "Lucida Sans Unicode","sans-serif"; font-size: 10.0pt;"> 11. Tip:</span></b><span class="apple-converted-space"><span style="color: black; font-family: "Lucida Sans Unicode","sans-serif"; font-size: 10.0pt;"> </span></span><span style="color: black; font-family: "Lucida Sans Unicode","sans-serif"; font-size: 10.0pt;">A home and income property can
be a good way of leveraging yourself into a better suburb. It can lift your
borrowing power by $150,000-$200,000. It feels great to earn income off your
house.It can also be a risk if your mortgage repayment ability is dependent on
the rental income.</span></div>
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<br /></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<b style="mso-bidi-font-weight: normal;"><u>BEFORE YOU GO
HOUSE-HUNTING, GET YOUR LOAN PRE-APPROVED.</u></b></div>
Mortgage Mantrahttp://www.blogger.com/profile/13674347000250569912noreply@blogger.com0tag:blogger.com,1999:blog-2834030192867962529.post-6584657943810474262011-10-10T04:22:00.000-07:002011-10-10T04:22:06.129-07:00Is Real Estate Market slowing down?<!--[if gte mso 9]><xml>
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<br />
<span style="font-size: small;"><b><u><span>From
news reports in the local print media:</span></u></b></span><br />
<br />
<span style="font-size: small;"><span>Over the next 20 years Auckland will grow by
the entire population of Wellington, but to accommodate everyone Auckland will
need more than 200,000 households - 30,000 more than its current capacity</span>.</span><br />
<br />
<span style="font-size: small;"><b><u><span></span></u></b></span><br />
<span style="font-size: small;"><b><span>Auckland
is facing a major housing crisis if current development trends continue</span></b><span>.At the current rate of development, <b><u>there will be a shortage of 50,000 homes
in 30 yearsor 30,000 more homes in 20 years</u></b>- equivalent to all the
homes in Hamilton.</span></span><br />
<br />
<span style="font-size: small;"><span>Auckland will face a large scale housing
crisis within the next 15 -20 years(by 2026)</span>.<span>Some areas will be full in 7 years</span>.</span><br />
<br />
<span style="font-size: small;"><b><span>The
ability to create new stand-alone houses on more than 400 square metres of land
will become virtually impossible by as early as 2023. Locals will be forced to
live in terraced houses and apartments with shared common outdoor spaces</span></b>.</span><br />
<br />
<span style="font-size: small;"><b><u><span>The
¼ acre dream is all but over</span></u></b><b><span>.</span></b></span><br />
<span style="font-size: small;"><span>Subdividing smaller properties and expanding
into semi-rural areas is a must to avoid a major housing crisis.</span></span><br />
<span style="font-size: small;"><span>"The<span>
</span>???ishow do we accommodate those 50,000 dwellings?"</span></span><br />
<span style="font-size: small;"><span>Council would focus on more intensive
development within the city limits; there were plans to expand development west
of Massey, west of Manukau, and south of Papakura and Karaka. More development
is likely to include rezoning existing land and changing regulations to allow
subdivision of smaller sections.</span></span><br />
<span style="font-size: small;"><span>According to the report,in the past three
years Auckland had "already fallen short by approximately 10,000 new homes
- equivalentof Blenheim".</span></span><br />
<br />
<span style="font-size: small;"><b><u><span>?
IS WHY DID THE PROPERTY MARKET SLOW DOWN</span></u></b><span>?</span></span><br />
<br />
<span style="font-size: small;"><b><span>What
could happen? “Prices will surge”</span></b></span><br />
<span style="font-size: small;"><b><span>Renters
would leap to 40 per cent of households - either by choice or because they
could not afford to get on the property ladder as prices will increaseas more
and more people compete for an ever dwindling supply of dwellings</span></b></span><br />
<br />
<span style="font-size: small;"><span>A bird’s-eye view of Auckland will tell you
that there’s plenty of room to grow, the fact is that red tape and restrictive
rules on land use means that growing in as-yet developed areas isn’t as simple
as it sounds.“There is a ring fence around Auckland called the Metropolitan
Urban Limit that separates the urban from the rural”</span></span><br />
<span style="font-size: small;"><span>"Prices will surge as more and more
people compete for an ever-dwindling supply of dwellings," said Phillips.</span></span><br />
<br />
<span style="font-size: small;"><span>High-density housing would certainly become a
more prominent feature of the urban landscape in the future.</span></span><br />
<span style="font-size: small;"><a href="" name="_GoBack"></a><span>There would not be
enough builders in the coming years to build all the necessary houses, because
of the demands posed by the Christchurch rebuild and leaky building repairs in
Auckland.</span></span><br />
<br />
<span style="font-size: small;"><span>"The industry is continuing to shrink
but we can see the looming shortfall will hit us sometime next year. We may
have to look at bringing tradesmen over from China, Philippines or Malaysia -
but it's likely Japan and Australia will be trying to attract them as
well."</span></span><br />
Mortgage Mantrahttp://www.blogger.com/profile/13674347000250569912noreply@blogger.com0tag:blogger.com,1999:blog-2834030192867962529.post-77646127970138923042011-10-10T04:19:00.000-07:002011-10-10T04:19:06.991-07:00Action in the Auction Room<!--[if gte mso 9]><xml>
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<br />
<b style="mso-bidi-font-weight: normal;"><u>REPORT IN NZ HERALD ON 05.09.2011
– ACTION IN THE AUCTION ROOM</u></b><br />
As the world was on the brink of caving in just over a month ago, a bunch of
people in Barfoot& Thompson's Auckland auction rooms had more important
things on their mind: how much to bid for a small lump of land on the city
fringe a 10-minute drive to Queen St?<br />
<br />
On a day in which the overall bidding action was fairly subdued and at times
non-existent, the competition for 1A Fowler Ave, Mt Albert, was dynamic.<br />
<br />
<b style="mso-bidi-font-weight: normal;"><span style="font-family: "Cambria","serif"; mso-ascii-theme-font: major-latin; mso-hansi-theme-font: major-latin;">What we had
here was a 610sq m section containing a derelict home in a pleasant
inner-suburb street in good school zones, just 300m from the Mt Albert village
shops ... and 100m from the railway line.</span></b><br />
<br />
So when did land within the hiss and roar of trains become so much in
demand? No finite answer to that but after a couple of decades of in-fill
housing, finding a section close to the city center<a href="" name="_GoBack"></a> is
gettingtough. Huge demand and tiny supply can mean only one thing, even with
the backdrop of potential economic mayhem in the United States and
clickety-clack at home.<br />
<br />
<b style="mso-bidi-font-weight: normal;"><span style="font-family: "Cambria","serif"; mso-ascii-theme-font: major-latin; mso-hansi-theme-font: major-latin;">A quick look
at 2008 rating values shows a $380,000 land valuation for 1A Fowler, and an
average of about $370,000 in the street. Mt Albert has done better than many
areas over the past three years, and the 2011 valuations - due in letterboxes
at the end of October - may see a rise of around 10 per cent or so.</span></b><br />
<br />
<b style="mso-bidi-font-weight: normal;"><span style="font-family: "Cambria","serif"; mso-ascii-theme-font: major-latin; mso-hansi-theme-font: major-latin;"><span style="mso-spacerun: yes;"> </span>On that basis, you'd think a starting point
for 1A Fowler Ave might have been a little over $400,000, with a
"competition premium" of perhaps 15-20 per cent pushing the price to
around $480,000. So much for theory.</span></b><br />
<br />
<b style="mso-bidi-font-weight: normal;"><span style="font-family: "Cambria","serif"; mso-ascii-theme-font: major-latin; mso-hansi-theme-font: major-latin;">The bidding
opened at $300,000, the "now selling" sign went up at $480,000 and -
30 bids later, after a total of 55 bids - the hammer fell at $541,000</span></b>.<br />
<br />
With the subsequent demolition likely to give no change from $20,000, that
puts the "clean section" at a touch over $560,000 - a lot of money to
pay for land close to a railway line. Perhaps the buyers got confidence from
the sale six weeks earlier in Baldwin Ave - three streets down and just as
close to the tracks - where a renovated three-bedroom bungalow on 697sq m sold
for $900,000 (against a 2008 rating capital value of $660,000).<br />
<br />
Those sorts of figures may suggest Auckland real estate is firing. In some
areas, especially those close to the city centre, it is, fed by a lack of
listings as cautious property owners wait to see continued improvement in the
economy.<br />
<br />
But buyers are fussy, going for homes which are wellpresented and demanding
value for properties which fall short of that mark. Leaky homes needing
remedial work - and even sound properties built in the style that has caused
problems - are being shunned.<br />
<br />
Barfoot& Thompson sells more homes in Auckland than any other agency and
their auction this day was a strange mix of furious action and disdain.<br />
<br />
Of the 28 residential properties on offer - covering west, central and east
Auckland, but none on the North Shore or in South Auckland - just 11 sold under
the hammer. Eight of the lots passed in drew no bids. An earlier mortgagee
auction was similarly restrained, with three sales from the eight properties on
offer.<br />
<br />
Reports suggest many first-home buyers are staying clear of auctions because
they don't want to pay hundreds of dollars for specialist reports and then find
the "investment" is wasted as the price on the day moves above their
budget. Signing a standard agreement on an agreed price, conditional on the
reports, gives them more certainty.<br />
<br />
But that concern doesn't hold everyone back for lower-priced properties, and
competitive bidding can bring some great results.<br />
<br />
Take 8 Ambler Ave, Glen Eden, for example. Bidding for the renovated
two-bedroom home on a sub-dividable 1065sq m section opened at $250,000 and
quickly hit the $345,000 reserve. Two parties tossed around $1000 and $500 bids
from there to push the final price to $370,000 - a $25,000 advance on what the
owner would have been prepared to accept.<br />
<br />
But the closer to Queen St, the higher value the prize, and 40 Warwick Ave,
Westmere, shows the value of location. The three-bedroom bungalow with all the
extras (but just one bathroom) on 434sq m went for $1.08 million. It last sold
in May 2008 (seven or eight months after the market began its decline) for
$780,000.<br />
<br />
If anyone needed further evidence on the power of auction to squeeze the
best price, it came with unit 1, 2 Carlton St, Hillsborough. A pre-auction
agreement for $533,000 which the owners were happy to accept was pushed to
$573,000 under competitive bidding to provide a cool $40,000 premium.<br />
Mortgage Mantrahttp://www.blogger.com/profile/13674347000250569912noreply@blogger.com0