NZHL Christchurch Urban

After the final OCR announcement for 2024, many homeowners are thinking about their next move. 🏠💸

✅ Considering refinancing? Remember, there's more to paying off your mortgage than securing the lowest rates, they are just one piece of the puzzle!

✅ Holding off refixing? Predicting interest rate movements is challenging, but there are ways to reduce the impact, such as splitting your home loan across different terms.

Before you decide on your next move, it's a good idea to chat with a NZHL Mortgage Mentor. They can look at all the options and help build a solid financial plan with a smart home loan structure tailored to suit you.

Book a free chat today. https://nzhl.co.nz/find-us/christchurch-urban/

🎉 Win 2 Weekend GA Passes to Christchurch's Biggest Outdoor Festival! 🎉

Want to take control of your mortgage or review your current insurance AND a chance to win tickets to Christchurch's biggest outdoor music festival of the summer?
We have got you covered!
Complete a free (and obligation-free) appointment with one of the team from NZHL Christchurch Urban to be in to win!*
Plus, if you know someone who may benefit from our services let us know. For every referral that leads to an appointment at NZHL Christchurch Urban before 24 January 2025, you will receive two entries into the draw to win.
Book your appointment today.
*The competition closes at 11:59 pm on Thursday 24th January 2025. The winner will be drawn on Wednesday 29th January 2025.
Terms and Conditions: https://nzhl.co.nz/landing/ticketgiveaway/

Link to enter is below 🕺🏽💃🏽⚡⚡

https://engage.nzhl.co.nz/ticketgiveaway?fbclid=IwY2xjawGWj4lleHRuA2FlbQIxMQABHcnCLvJ2uIDZawnUtuXDdm6mTpfx2iNlfLXY_Jyx4T3dw2OZtPtRuIGe8Q_aem_PwnyN7Cn64MLpXXfa2j-Rw

Great news for people with a mortgage! The RBNZ has dropped .50% and is looking to continue to drop the OCR again in November. This will give a positive impact on borrowers with Test rates looking to be lowered and mortgage rates already dropping, keeping money in clients back pockets.

RBNZ declares victory and slashes OCR to 4.75% Reserve Bank declares victory on inflation and delivers double whammy rate cut

Amazing opportunity from the lads at Vale property.
Get in touch with Morgan today as their last development sold out in less than 2 days!

JUST LISTED 🏠🏠🏠

3/369 Cashel Street - $699,000

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Beautiful Design, Prime Location – Priced To Sell

🛏️ 2 | 🛀 1.5 | 🛋️ 1 | 🚗 1

These stunning homes offer superior contemporary living in an unbeatable location. Vale Property's signature bespoke design, leading-edge materials and quality construction raises this development above the rest, resulting in highly efficient, warm, dry, healthy and low-maintenance homes that make modern living a breeze.

This highly enviable city fringe location, just 100m from Fitzgerald Avenue, places you right in the centre of the action. Cafés, restaurants, takeaways, fitness centres, specialty shops, the future Canterbury Multi-Use Arena and more are all within walking distance. Alternatively, take a short e-scooter or bike ride to the central Christchurch retail & entertainment precinct and the vast green expanse of Hagley Park.

Get in touch ASAP, these will be gone in a flash!

📲 Morgan Perry - 027 413 1640
📲 Andy Williams - 022 547 5232
💻 https://tinyurl.com/ygpn5dtr

$150,000!!!
How's this for a great customer outcome! We had a client refinance with us, as part of our process we reviewed his insurance policies. Little did he know, ( never had an insurance review ) he had a claimable event for a heart attack 4 years prior.
We promptly did a change of advisor and helped him fill out his paper work to get the claim paid! He wasn't just saving thousands in interest with his new home loan structure, he was now in a position to pay off a lump sum!

AMAZING offer for Health Insurance from our Partner at NIB!
If a pre-existing condition is locking you out of health insurance cover, we may have the solution. A new offer means that many pre-existing conditions will be covered after three years with the Ultimate Health plans. Terms and conditions apply. Offer ends 30 June 2021.
Get in Touch today!

Some top tips to get you into the best position when approaching a bank for new lending.
1) Account conduct: Lenders will look at your financial character, you need to show them that you're making your commitments on time. Make sure you don't have any failed payments or unarranged overdrafts.
2) Short term debt: Do you have an appetite for spending money you don't have yet?
3) Credit and Store Cards : Lenders will look at what your current balance is and the Limit of your card when assessing your risk profile. The Limit is used as part of the servicing of the loan as this is available funds to you at any point.
4) Proven affordability: Take your current rent payments plus your regular savings does this cover what your proposed mortgage repayments will be? Banks want to know you can afford taking on the new financial commitment.

Contact us today for a free personalised plan to ensure you are in the best position to achieve your goals.

As you can see from the latest REINZ data below, a lot of crazy growth has been happening all over New Zealand for property owners, with Canterbury rising 18.4% over the median house price. This means that clients now have more usable equity to be able to access for things like renovations or purchasing an investment property. Feel free to drop us a message and find out how we can help you achieve your goals.