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Understanding Your Options: Different Types of Home Loans

Understanding Your Options: Different Types of Home Loans With so many different types of home loans available, it can be overwhelming to understand the differences and choose the right one for your needs. In this article, we will explore the various types of home loans, including, Revolving Credit, Offset, Table and Interest Only, to help…

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Changes in Interest Deductibility: Assessing the Impacts on Property Investors.

Interest Deductibility – Assessing the Impacts on Property Investors The National-led coalition government’s recent changes to interest deductibility have sparked a range of reactions within New Zealand’s residential property investor community. While many investors welcome the fast-tracked rollback as a source of relief, recognising its significant financial advantages, others are more cautious, noting that the…

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Debt-to-income ratios: The Lowdown

Debt-to-income Ratios: The Lowdown What does the planned debt-to-income ratio change mean for first-home buyers and property investors? What is a debt-to-income ratio? A Debt-to-income ratio measures the amount of debt an individual or household has compared to their income and provides a snapshot of their financial stability and ability to make regular mortgage payments.…

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Meet the Team: Andre October

Meet the Team: Andre October Meet Andre one of our financial advisers here at Rapson. Andre is a passionate individual with a multifaceted background. Growing up between the Bay of Plenty and Christchurch, he is a keen rugby league player and a true Warrior’s fanatic. In addition to sports, Andre is an avid traveler and…

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Co-Borrowing for First-Home Buyers

Co-Borrowing for First-Home Buyers With rising living costs and various challenges in the real estate sector, it has become increasingly difficult for young adults to afford their first homes. Fortunately, there are different ways that first-home buyers can get financial help from parents or family members to boost their deposit and avoid paying a low…