Purchasing your first home can be challenging. The key to being ready to buy is to be organised. In this podcast, Mortgage Lab CEO Rupert Gough shares 3 things that first home buyers can do today to prepare for a mortgage application.

You can watch a video on the same subject on YouTube here: https://youtu.be/ZXODi8BmLik

If you are unsure where to start or have any questions, don't hesitate to contact the team at www.mortgagelab.co.nz/contact-us, they are here to help!

You can watch more of these articles by subscribing to our YouTube channel.
You can follow us on Facebook, Instagram, Youtube and LinkedIn.

You can also learn more from reading our blog on the same subject at www.mortgagelab.co.nz/3-things-first-home-buyers-can-today-get-ready-buy/

A question our Mortgage Brokers get often is 'can I buy an Investment Property even though I don't have any savings?'. In this podcast, Rupert helps how you can buy an investment property without cash.

If you are unsure where to start or have any questions, don't hesitate to contact the team at www.mortgagelab.co.nz/contact-us, they are more than willing to help you through this confusing time!

You can watch more of these articles by subscribing to our YouTube channel.
You can follow us on Facebook, Instagram, Youtube and LinkedIn.

You can also learn more from reading our blogs at www.mortgagelab.co.nz/blog/

Interest rates held by all of the banks are always being updated and be difficult to keep track of if you are not actively working in the industry. In this podcast, Rupert has done the research for you and gives you an update on what the current interest rates are.

You can watch a video on the same subject on YouTube here: https://www.youtube.com/watch?v=yKfbw7wNQDI

If you are unsure where to start or have any questions, don't hesitate to contact the team at www.mortgagelab.co.nz/contact-us, they are more than willing to help you through this confusing time!

You can watch more of these articles by subscribing to our YouTube channel.
You can follow us on Facebook, Instagram, Youtube and LinkedIn.

You can also learn more from reading our blogs at https://mortgagelab.co.nz/blog/

Gross yield income, i.e return of a rental property, can be confusing if you are looking at purchasing an investment property. In this podcast, Mortgage Lab CEO Rupert Gough explains a simple initial calculation for gross yield income.

If you are unsure where to start or have any questions, don't hesitate to contact the team at www.mortgagelab.co.nz/contact-us, they are here to help!

You can also watch a video on the same subject on our YouTube channel here:
https://www.youtube.com/watch?v=o8dUIRIWOAU

You can watch more of these articles by subscribing to our YouTube channel.
You can follow us on Facebook, Instagram, Youtube and LinkedIn.

You can also learn more from reading our blogs at https://mortgagelab.co.nz/blog/

A question we get often is 'should I pay off my credit card first, or build my savings?' In this podcast, Mortgage Lab CEO Rupert Gough gives you the answers.

If you are unsure where to start or have any questions, don't hesitate to contact the team at www.mortgagelab.co.nz/contact-us, they are here to help!

You can also watch a video on the same subject on our YouTube channel here:
https://www.youtube.com/watch?v=qlmURxlBrTk

You can watch more of these articles by subscribing to our YouTube channel.
You can follow us on Facebook, Instagram, Youtube and LinkedIn.

You can also learn more from reading our blogs at https://mortgagelab.co.nz/blog/

Student loans in New Zealand are great in that you can pay your loan back over an extended period of time without penalty. However having the debt lingering can impact your application with the bank. In this podcast, Mortgage Lab CEO Rupert Gough explains how the banks view student loans when calculating your income for a mortgage application.

If you are unsure where to start or have any questions, don't hesitate to contact the team at www.mortgagelab.co.nz/contact-us, they are here to help!

You can also watch a video on the same subject on our YouTube channel here: https://www.youtube.com/watch?v=f2mQvbG0X4c

You can watch more of these articles by subscribing to our YouTube channel.
You can follow us on Facebook, Instagram, Youtube and LinkedIn.

You can also learn more from reading our blogs at https://mortgagelab.co.nz/blog/

For your first home, trying to work out how much you can borrow to purchase a house can be frustrating and confusing. In this podcast, Mortgage Lab CEO Rupert Gough helps explain how you can roughly calculate how much you can borrow from a bank on your income.

If you are unsure where to start or have any questions, don't hesitate to contact the team at www.mortgagelab.co.nz/contact-us, they are here to help!

You can also watch a video on the same subject on our YouTube channel here: https://www.youtube.com/watch?v=9O3zQuWVlrY

You can watch more of these articles by subscribing to our YouTube channel.
You can follow us on Facebook, Instagram, Youtube and LinkedIn.

You can also learn more from reading our blogs at https://mortgagelab.co.nz/blog/

Anyone who has rented before has imagined being on the other side of the equation – receiving rent rather than paying it. So it's no surprise many Kiwi home owners are interested in investing in property. First things first, can you afford another property? In this podcast, Mortgage Lab CEO Rupert Gough helps explain the initial calculations you can make to see if you can afford an investment property.

If you are unsure where to start or have any questions, don't hesitate to contact the team at www.mortgagelab.co.nz/contact-us, they are here to help!

You can also watch a video on the same subject on our YouTube channel here: https://www.youtube.com/watch?v=_FhzpRk4Q_4

You can watch more of these articles by subscribing to our YouTube channel.
You can follow us on Facebook, Instagram, Youtube and LinkedIn.

You can also learn more from reading our blogs at https://mortgagelab.co.nz/blog/

Kiwis like credit cards… a lot. If you’ve got 10 minutes, you could get one online right now (don’t). And the price for easily-acquired, unsecured debt is usually ~20% p.a.
In this podcast, Mortgage Lab CEO Rupert Gough tells us how your credit card limits and debts can affect your mortgage application and why.

You can also learn more about how credit cards affect your mortgage application by reading our blog https://mortgagelab.co.nz/how-much-does-a-credit-card-affect-your-lending/

If you are unsure where to start or have any questions, don't hesitate to contact the team at www.mortgagelab.co.nz/contact-us, they are here to help!

You can also watch a video on the same subject on our YouTube channel here: https://www.youtube.com/watch?v=BZGd-GDUQMg

You can watch more of these articles by subscribing to our YouTube channel.
You can follow us on Facebook, Instagram, Youtube and LinkedIn.

Building your deposit to buy your new home can feel frustrating and slow. In this podcast, Mortgage Lab CEO Rupert Gough shares 5 tips to grow your deposit to buy your new home – and gives us a little too much insight into how a camping trip went with his wife. Have a listen and let us know if these saving ideas helped!

If you are unsure where to start or have any questions, don't hesitate to contact the team at www.mortgagelab.co.nz/contact-us, they are here to help!

You can also watch a video on the same subject on our YouTube channel here: https://www.youtube.com/watch?v=dhwWTewB890

You can watch more of these articles by subscribing to our YouTube channel.
You can follow us on Facebook, Instagram, Youtube and LinkedIn.

You can also learn more from reading our blogs at https://mortgagelab.co.nz/blog/