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Why Using a Mortgage Broker is a Smart Move

Stepping into the world of home finance might seem daunting, but this is where a mortgage broker shines as your invaluable ally. Think of a mortgage broker as your personal guide through the myriad of home loan options, simplifying a complex process into manageable steps. Go Smart Mortgages has spent decades deciphering the intricate puzzle of the mortgage landscape for clients all around New Zealand. A mortgage broker isn't tied to one bank or lender. Instead, I can access a vast array of choic...

Understanding First and Second Tier Lenders in NZ Mortgages

Hello, lovely readers! I'm Uma from Go Smart Mortgages. Since 1994, I've been guiding Kiwis through the mortgage jungle. Today, let's get into the nitty-gritty of first and second tier lenders in New Zealand. Whether you're a first-time buyer or planning to refinance, knowing the ins and outs of these lenders can make a world of difference. With almost three decades of experience, I'm here to break down the complicated bits and reveal the benefits and potential pitfalls of each type of lender â...

Your First Home Guide: Navigating New Zealand's Property Waters

Hello, future Kiwi homeowner! I’m Uma from Go Smart Mortgages, and I'm thrilled to guide you on your journey to buying your first home. Navigating the property market can be a rollercoaster ride, but with the right preparation, it can also be a rewarding adventure. Having offered advice to aspiring homeowners since 1994, I understand the importance of a smooth, jargon-free experience. With the right steps in place, you can confidently venture into the property world and make your dream of home...

Preparing for the OCR announcement in February 2025 in NZ

Hello there, it's Uma from Go Smart Mortgages. As February approaches, there's a big talk in town about the expected drop in the Official Cash Rate (OCR) in New Zealand. Being in the game since 1994, I enjoy guiding you through these financial waves. In February 2025, we are anticipating a drop in the OCR, which could mean some big changes for interest rates, house prices, and the overall property market. At Go Smart Mortgages, I am all about breaking down these complex topics into bite-sized pi...