- What they are

- Criteria

- Examples of lender offers

- Scenario when also considering interest rates

Sensitivity and Test Rates.

In this episode get to learn what they are, how they work, examples of how they impact borrowing and other contributing factors that is considered.

Happy Borrowing!!

28th September Interest Deductibility and Brightline Rules came out

This episode we are lucky to have Anthony Mcilroy from Evolve Accounting to run through this announcement and summarise it for you.

Get to learn all about Credit Reports. 

Definition, What is on the report, What happens it goes wrong, Tips on improving and Maintaining and how they impact loan applications!

Go to my social media pages for more resources/links

The famous Bank of Mum and Dad

With June 2020 and June 2021 seeing the average price go up by 28.7%, finding alternate ways to get into the market have become even more important. 

I go through 4 main options of getting support , with a bonus 5th.

Big thanks to Oli for being so open and honest with your story. His journey is a great example of someone who could of easily given it all away many times because it was too hard! Perseverance, dedication and then success.

Professional footballer Oli Sail jumps on the podcast to share his story. We go through all sorts!

• A later bloomer into football (Oli and I had plenty of tussles on the cricket pitch long before we were mates!)
• UK trials, Club world champs, NZ reps and starting with the Wellington Phoenix
• Getting his shot then waiting over 600 days for the next
• Dealing with Managers
• Being an athlete during covid (and getting in a bit of trouble)
• 2021 and being no.1

Big news! ASB come out with 1.79% interest rate for construction lending. Learn all about this, plus the changes to ASB/ANZ lending policy changes!

This episode is close to home with the story of how I bought my first home! Not easy speaking about myself and plenty of nerves with it!

No old ladies were ripped off in this story!

Key Points!

Invest in yourself! In the digital age we are in it no longer costs $$$$ to learn. So much is online. Then be prepared to apply it

Relationships are everything! Big thank you to, Mandy MSC Southland, Lisa and Jono Insurance Supply Co, Sally McCormack of Profity and AssetLab, Tania Greer of Ray White, friends and family

Seek to understand! Be comfortable with hearing "NO". Then find out why and work through it.

Be resourceful. What can you do to improve or help the situation? Get creative.

Know your market. Be an expert in your area.

Spend $1 make $3 on renovations. One of my favourite AssetLab lessons from day one!

Special Guest David Windler joins the show to discuss this weeks Government Housing Policy Announcement.

- Bright-line test extended from five to ten years

- Removal of the ability for investors to write of interest expenses

- Changes to the First Home Grant/Loan 

- $3.8 Billion Housing Acceleration Fund

- TBC on Debt to Income Ratio and Interest Only changes 

#24 Market Update (LVR and Interest Rates) Recorded 12th March