Grant Clifton

With a lack of existing housing stock to buy and the overall Auckland market being short of some 40,000 homes, I have seen the building...

Here are some interesting statistics for you: • New Zealanders spent a record $6 billion shopping in December 2015, the highest ever monthly figure recorded...

The question I am most often asked is, ‘When is a good time to fix my mortgage rate or what are rates going to do?’...

The recent changes to both the loan valuation ratios and debt servicing calculations are catching many bank borrowers by surprise when they find out their...

As widely predicted, the Reserve Bank lowered the NZ official cash rate recently to 2.75 per cent. Market commentators are predicting further cuts in the...

Some say the word “mortgage” comes from the old French “mort gaige”, literally “death pledge”. The pledge ends (dies) when either the obligation is fulfilled...

About 12 months ago when the Reserve Bank introduced the loan-to-value ratio (LVR) restrictions, I wrote about how hard it would become for first-time buyers...

This week I attended a financial advisors conference in Auckland where many speakers presented on a range of topics. One of the speakers was the...

The Reserve Bank Loan-to-Value Ratio (LVR) restrictions put in place in October 2016  seem here to stay for quite a while yet. The major political...

It’s becoming common for people to be turned away by banks when they wish to borrow against the house because banks are not comfortable lending...