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Mortgages & Loans, Financial Services
Mortgages & Loans, Financial Services
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Recent banking results reveal a growing number of Kiwis are turning to mortgage advisers for independent financial advice. So, what’s driving this shift?
1. More Options 🛒
As independent advisers, we work with a wide range of lenders, not just one. This means adviceHQ clients get access to… View moreRecent banking results reveal a growing number of Kiwis are turning to mortgage advisers for independent financial advice. So, what’s driving this shift?
1. More Options 🛒
As independent advisers, we work with a wide range of lenders, not just one. This means adviceHQ clients get access to more products, tailored loan structures, and solutions that truly fit their needs.
2. Expert Guidance 🧑💼
Navigating home loans can be complex, with tighter credit policies and fluctuating interest rates. adviceHQ simplifies the process and help clients —from first home buyers to self employed borrowers — achieve their property goals.
3. Your Advocate 💬
Our role is to advocate for your best interests, whether it’s negotiating better terms, restructuring your loan, or helping with a tricky application.
Helping Kiwis achieve their homeownership dreams is what we’re passionate about. If you’re considering your next property move or just want to explore your options, we’re here to help. Contact adviceHQ today!
#advicehq #independentfinancialadvice #mortgages #mortgagebroker #MortgageAdviser
🔑"According to REINZ Chief Executive Jen Baird, while the market remains subdued, there is a noticeable rise in positivity and confidence that things will continue to improve as we approach the end of the year. Despite lingering challenges such as the cost of living, many believe that the … View more🔑"According to REINZ Chief Executive Jen Baird, while the market remains subdued, there is a noticeable rise in positivity and confidence that things will continue to improve as we approach the end of the year. Despite lingering challenges such as the cost of living, many believe that the downward trend of interest rates will lead to a gradual recovery as we move into 2025."
Falling interest rates are tempered by uncertain employment conditions and housing inventory at levels 2014 levels (graph below), suggesting the market may be returning to a more balanced position.
At adviceHQ , we’re seeing more activity through mortgage applications, which are often a leading indicator of market trends. Whether you’re buying or selling, understanding your position now can open up future opportunities.
A quick 10-minute call with our team can set you on the right path. Reach out today!📞
#adviceHQ #REINZ #NZPropertyInvestor #APIA #mortgagerates
The trend of multigenerational living is on the rise in New Zealand, where families pool their resources to buy or build homes that accommodate three generations. Whether driven by cultural values, financial considerations, or the desire for closer family connections, this way of living is becoming… View moreThe trend of multigenerational living is on the rise in New Zealand, where families pool their resources to buy or build homes that accommodate three generations. Whether driven by cultural values, financial considerations, or the desire for closer family connections, this way of living is becoming increasingly popular.
Recently, adviceHQ was featured in a Trade Me article by Gill South highlighting the financial and practical benefits of multigenerational living. As more families face the rising cost of living, pooling resources can provide access to larger, more desirable homes while ensuring security for each generation.
adviceHQ specialise in helping families navigate the complexities of financing such arrangements, ensuring that both long-term goals and immediate needs are met.
If your family is considering multigenerational living, reach out to see how we can help you structure your finances and plan for the future.
#HomeandIncome #MultiGenerationalLiving #HomeOwnership #TradeMeProperty #adviceHQ
This month, adviceHQ reaches its six-year milestone of delivering independent financial advice to clients across New Zealand, Australia, UK, US, and beyond.
Our experience has strengthened our belief in the importance of independent advice. It allows us to provide clear, unbiased guidance that… View moreThis month, adviceHQ reaches its six-year milestone of delivering independent financial advice to clients across New Zealand, Australia, UK, US, and beyond.
Our experience has strengthened our belief in the importance of independent advice. It allows us to provide clear, unbiased guidance that helps our clients make well-informed financial decisions.
I want to thank our clients for your continued trust and support. It’s a privilege to be part of your financial journey. A special thank you to our partners and providers who have contributed to our growth and success.
With Ben Presling, Michael Williams, Kaye Penney, and I bringing over 90yrs combined experience in financial services, we look forward to building on our foundation and continuing to serve clients for many years to come.
#adviceHQ #IndependentFinancialAdvice
❌ Unemployment: +0.6% this yr, +1.3% vs June 2022.
❌ Building Consents: -4% in June 2024 qtr, -35% vs June 2022 qtr.
❌ GDP: -0.2% in June 2024 qtr, a 2yr per capita recession.
✅ Inflation: 3.3% and falling, just 0.3% above the target range.
✅ RBNZ OCR: 5.25% and expected to decline.
… View more❌ Unemployment: +0.6% this yr, +1.3% vs June 2022.
❌ Building Consents: -4% in June 2024 qtr, -35% vs June 2022 qtr.
❌ GDP: -0.2% in June 2024 qtr, a 2yr per capita recession.
✅ Inflation: 3.3% and falling, just 0.3% above the target range.
✅ RBNZ OCR: 5.25% and expected to decline.
The NZ economy remains finely balanced, with the delayed effects of the recession still unfolding. Meanwhile, regulators are beginning to respond to these conditions. Today, the US Federal Reserve provided firm direction by cutting rates by 0.5%. Will the RBNZ follow suit and provide similar relief?
If you're concerned about how this may impact your financial position, adviceHQ provides independent financial advice on mortgages, insurance, KiwiSaver, and business/commercial lending. Feel free to reach out to Ben Presling, Michael Williams, or myself to review your current strategy and explore future options.
#advicehq #independentfinancialadvice #EconomicUpdate #inflation #unemployment #buildingconsents #OCR
A huge thank you to everyone who visited us at the Auckland Home Show and entered our Paddleboard giveaway. We're excited to announce that Roxanne van Rooy is the lucky winner! 🏄♀️🎉 Thanks to Lily and Sophie who help with the draw.
At adviceHQ, we offer independent financial … View moreA huge thank you to everyone who visited us at the Auckland Home Show and entered our Paddleboard giveaway. We're excited to announce that Roxanne van Rooy is the lucky winner! 🏄♀️🎉 Thanks to Lily and Sophie who help with the draw.
At adviceHQ, we offer independent financial advice on mortgages, insurance, KiwiSaver, business, and commercial finance — helping you make informed decisions for a brighter future.
Get in touch with us for independent financial advice tailored to your needs.
#AucklandHomeShow #adviceHQ #IndependentFinancialAdvice #Mortgages #Insurance #KiwiSaver #BusinessFinance #CommercialFinance
The @AucklandHomeShow is in full swing, and there’s still time to visit adviceHQ at Stand 746, Hall 7 and enter to WIN a Paddleboard!
Whether you're looking for mortgage, insurance, or KiwiSaver advice, we're here to help — and you could walk away with this epic prize.
🕒 10am -… View moreThe @AucklandHomeShow is in full swing, and there’s still time to visit adviceHQ at Stand 746, Hall 7 and enter to WIN a Paddleboard!
Whether you're looking for mortgage, insurance, or KiwiSaver advice, we're here to help — and you could walk away with this epic prize.
🕒 10am - 9pm Saturday
🕕 10am - 6pm Sunday
Don't miss out! Stop by and see how we can help you thrive in 2025.
#AucklandHomeShow #adviceHQ #IndependentFinancialAdvice
We're giving you the chance to WIN a Paddleboard at the Auckland Home Show! Just visit us at Stand 746, Hall 7 for your shot at taking home this awesome prize.
Show Hours:
🕒 10am - 9pm Thu - Sat
🕒 10am - 6pm Sun
Don't miss out—come see us and enter to win!
#advicehq … View moreWe're giving you the chance to WIN a Paddleboard at the Auckland Home Show! Just visit us at Stand 746, Hall 7 for your shot at taking home this awesome prize.
Show Hours:
🕒 10am - 9pm Thu - Sat
🕒 10am - 6pm Sun
Don't miss out—come see us and enter to win!
#advicehq #AucklandHomeShow #independentfinancialadvice
adviceHQ are excited to be at the Auckland Home Show from Thursday 5th to Sunday 8th September — and we want YOU to join us!
adviceHQ are giving away 5 DOUBLE PASSES to this year’s event. Simply comment on this post to enter, and you could be one of our lucky winners! 🏠✨
Be sure to … View moreadviceHQ are excited to be at the Auckland Home Show from Thursday 5th to Sunday 8th September — and we want YOU to join us!
adviceHQ are giving away 5 DOUBLE PASSES to this year’s event. Simply comment on this post to enter, and you could be one of our lucky winners! 🏠✨
Be sure to visit us at Stand 746 during the show. We’ve got another amazing giveaway waiting for you there!
Good luck, and we can't wait to see you at the show! 🎟️
#adviceHQ #Giveaway #AucklandHomeShow #WinTickets
🏡 AUCKLAND HOME SHOW
🎟 Get your tickets: www.aucklandhomeshow.co.nz...
📅 DATES: THU 5 – SUN 8 September 2024
📍 Auckland Showgrounds, Greenlane Auckland | 450+ Exhibitors & Brands | All at in 1 location
#Aucklandhomeshow #thingstodoinauckland #HomeshowNZ
🌟 I'm happy to share that I’ve been featured in this month's Channel Magazine article, "Be Ready to Thrive in 2025." 🌟
In the article, I discuss the current economic conditions and share insights on navigating these challenging times. From emphasizing the importance of … View more🌟 I'm happy to share that I’ve been featured in this month's Channel Magazine article, "Be Ready to Thrive in 2025." 🌟
In the article, I discuss the current economic conditions and share insights on navigating these challenging times. From emphasizing the importance of setting aside funds for the IRD and creditors to reflecting on lessons learned from previous economic crises, it's all about preparing for a brighter future.
A huge thank you to Aidan Bennett from Channel Magazine for the feature!
#IndependentFinancialAdvice #ThriveIn2025 #ChannelMagazine #adviceHQ
At adviceHQ, giving back to the community is a core part of who we are. One cause close to our hearts is the Special Children's Christmas Party.
While the big corporates may be the main event sponsors, we believe every contribution counts. Our support helps bring smiles to the faces of … View moreAt adviceHQ, giving back to the community is a core part of who we are. One cause close to our hearts is the Special Children's Christmas Party.
While the big corporates may be the main event sponsors, we believe every contribution counts. Our support helps bring smiles to the faces of children, making their Christmas just a little bit brighter – which is what the season is all about! 🎄
We encourage businesses, big or small, to join us in supporting this incredible cause to create unforgettable memories for these special kids.
For more details, reach out to zac@scevents.co.nz.
#FeelGoodFriday #CommunitySupport #GivingBack #SpecialChildrensChristmasParty #adviceHQ
Markets have spoken! The 2yr swap rate (bank wholesale funding rate) has dropped to Sep 2022 levels (4.19%), down 1.6% from the peak on 4 Oct 2023 (5.79%).
The latest inflation and unemployment statistics have left the door wide open for OCR cut/s. The only unknown variable is the RBNZ itself, … View moreMarkets have spoken! The 2yr swap rate (bank wholesale funding rate) has dropped to Sep 2022 levels (4.19%), down 1.6% from the peak on 4 Oct 2023 (5.79%).
The latest inflation and unemployment statistics have left the door wide open for OCR cut/s. The only unknown variable is the RBNZ itself, the organization tasked with "protecting and promoting the stability of New Zealand’s financial system."
At adviceHQ, we assist clients in both increasing and decreasing rate environments. Contact us for independent financial advice on your mortgage refix, restructure, or refinance.
#advicehq #RBNZ #ocr #financialadvice #mortgages #interestrates
Earlier this month, we shared updates on legal and regulatory changes in the property and finance industry, including DTI, LVR, CCCFA, interest deductibility, and Brightline rules. These changes are now being reflected in bank credit criteria and lending policies.
Additionally, we've seen a … View moreEarlier this month, we shared updates on legal and regulatory changes in the property and finance industry, including DTI, LVR, CCCFA, interest deductibility, and Brightline rules. These changes are now being reflected in bank credit criteria and lending policies.
Additionally, we've seen a significant shift in interest rates.
Wholesale interest rates, which influence retail mortgage rates, have dropped by 1%, bringing the 2yr swap rate back to levels last seen in September 2022. Banks have reduced their mortgage rates, and there may be more cuts on the horizon. One bank has lowered its income testing rate by 0.25%, potentially leading others to follow suit.
So, what does this mean for borrowers? Loan affordability has improved, and the barriers to borrowing have decreased. ✅
And for the property market? Traditionally, falling interest rates and easing credit conditions stimulate more market activity. However, only time will tell how this trend will unfold. ✅
If you're considering your options, get in touch with Advicehq to understand your current position and explore future opportunities.
#advicehq #independentfinancialadvice #mortgagerates #nzpropertyinvestor
🔔We are proud to announce that adviceHQ is now accredited with FAMNZ!🔔
Recognition by FAMNZ, an independent body dedicated to working with advisers, lenders, government, and other regulators, underscores our commitment to achieving better outcomes for our clients.
Our accreditation … View more🔔We are proud to announce that adviceHQ is now accredited with FAMNZ!🔔
Recognition by FAMNZ, an independent body dedicated to working with advisers, lenders, government, and other regulators, underscores our commitment to achieving better outcomes for our clients.
Our accreditation reflects our ongoing dedication to providing high-quality, independent financial advice and upholding the highest standards in our industry.
Thank you to our team and clients for your continued trust and support.
#adviceHQ #FAMNZ #IndependentFinancialAdvice
"We are very proud to announce that advicehq has come on board to sponsor our Banqer Financial Literacy Programme, a class rolled out for Year 10 students in Term 3. This partnership brings a valuable opportunity to our students, providing them with essential life skills for managing finances … View more"We are very proud to announce that advicehq has come on board to sponsor our Banqer Financial Literacy Programme, a class rolled out for Year 10 students in Term 3. This partnership brings a valuable opportunity to our students, providing them with essential life skills for managing finances effectively.
advicehq holds a special connection with Albany Junior High School through their Client Manager, Kaye Penney, who is the mother of Isaac and Annabelle, students at our school.
advicehq is a full-service advisory firm providing independent financial advice on mortgages, insurance, KiwiSaver, business and commercial lending. They will be actively involved in running workshops and providing resources to enhance our financial literacy curriculum. You will also see the advicehq team at various Albany Junior High School events.
To learn more about their services, visit www.advicehq.co.nz...
We look forward to a successful collaboration with adviceHQ and the positive impact it will have on our students’ financial education."
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