Articles

Nest in the Media - Top Advisers 2017

 
Nest in the Media - Top Advisers 2017
New Zealand’s top 10 mortgage advisers of 2017 have been named in the inaugural Top Advisers Rankings. The report is based on the total value of loans settled in past 12 ...
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Nest in the Media - Non-bank lenders provide a good ...

 
Nest in the Media - Non-bank lenders provide a good stepping stone into home ownership, broker
The non-banking sector is a good stepping stone for those who can’t secure loans from a bank, according to broker Jeff Kerwin. Kerwin from Nest Home Loans specialises in ...
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Nest in the Media - Former cop fights for the underdog

 
Nest in the Media - Former cop fights for the underdog
Jeff Kerwin of Nest Home Loans in Hamilton helps clients that don’t conform to traditional mainstream lending requirements – he helps the people that banks don’t want ...
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Reserve Bank imposes 40% deposit requirement on all ...

 
Reserve Bank imposes 40% deposit requirement on all investors
The Reserve Bank has grave concerns for the outlook of the NZ housing market. So much so, they are making it clear that investors are on the radar. As of the 1st September, ...
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Good Debt vs. Bad Debt – What’s the Difference?

 
Good Debt vs. Bad Debt – What’s the Difference?
Congratulations!! I've just added you to my "coffee break" newsletters. In these newsletters I pass on a tonne of useful tips and tricks to help you with home ownership. You can ...
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5 reasons why it pays to use a mortgage broker

 
I realize I'm running the risk of having this come across as a blatant, shameless plug - which it is - but since I'm your trusted mortgage advisor, I'd be remiss not educate you ...
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How to protect yourself from identity theft

 
I know this isn't a very "FUN' topic but it's something that you need to be aware of... You've probably noticed identity theft is becoming more and more prevalent out there. As ...
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10 Ways the Rich Think Differently Than the Poor

 
I just came across this controversial list showing I thought you might find it interesting... 1. Rich People believe "I create my life". Poor people believe "Life is what ...
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How to buy investment properties using equity from your own ...

 
Did you know you can use your own equity to buy rental properties? You may not even need to put any of your own cash into the deal! Here's the scoop on how it ...
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How to Pay Your Mortgage Off Sooner

 
Question for you... How many years from now do you want to own your home free and clear? As you may already know, paying your mortgage off the traditional way takes 25 to 40 ...
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How the Rich Use Their Home Equity to Build Long-Term Wealth

 
If you've read Robert Kiyosaki's book, "Rich Dad Poor Dad", this will make a lot of sense to you... One of the secrets of the rich is that they habitually look for ways to ...
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Your Credit Score: What Is It And How’s It Calculated?

 
Have you ever wondered what your credit score is or how it's calculated? Here's the skinny.. Your credit score is a three-digit number that lenders use to predict your ...
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Why you should buy property in a recession

 
Contrary to popular opinion, a recession is actually the BEST time to invest in revenue properties. Why? Regardless of market conditions people always need a place to live, and ...
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An affordable way to become mortgage free sooner.

 
Some lenders suggest increasing payment frequency from monthly to bi-weekly to help pay off your mortgage faster. But as your local mortgage expert, I have a better suggestion. ...
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Don’t pay for renovations, let them pay for themselves.

 
Chances are you already have enough equity in your home to pay for renovations. But before you increase your debt, consider whether it's good debt or bad debt. While bad debt is ...
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Investments: Real estate vs Managed funds

 
Even today, both investment funds and real estate still offer investment potential. Here's a comparison: * In the last market downturn, real estate values haven't dropped as ...
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How to choose the right renovation contractor.

 
To continue the "renovation" theme we've been on for the past few weeks, we might as well talk about how to choose the right renovation contractor. We've all heard renovation ...
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Maximizing the resale value of your home with strategic ...

 
Last week we talked about strategic renovations to maximize the value of your home, this week we're going to talk about strategic landscaping... When planning renovations, ...
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What’s the better investment - real estate or managed ...

 
I'm not an expert in managed funds, but in these turbulent economic times it's more important than ever to discuss this important and controversial topic... Even today, both ...
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Do this first BEFORE refinancing...

 
Before you consider refinancing your existing mortgage, it's important for you to determine the break-even point, which represents how soon the cost of the refinance will be ...
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Choosing the Right Painting Contractor

 
I don't know if you're planning on painting your home any time soon but if you are, this info will come in handy... Before you hire the first "student painter" who comes along, ...
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The pros and cons of a reverse mortgage

 
If this doesn't apply to you, perhaps you know someone over 60 who might find it helpful... A reverse mortgage lets you turn your home's equity into cash without having to move ...
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The unsung hero of wealth creation

 
Are you ready to discover the unsung hero of wealth creation? One of the most powerful strategies for building wealth is to pay yourself first. What this means is taking your ...
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How the Law of Compensation Can Make You Rich

 
Ralph Waldo Emerson wrote that each person is compensated in like manner for that which he or she has contributed. This is often referred to as the Law of Compensation or the Law ...
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If you want to get rich, break the law - Parkinson’s Law!

 
Here's one of the many lessons we should be taught in school but aren't... If you want to get rich, break the law - Parkinson's Law! Fifty years ago, British writer C. ...
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How to choose the right financial planner

 
To ensure your long-term financial security, it's essential to develop an effective financial plan, retirement strategy and investment portfolio. Since most people don't have the ...
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How to Beautify Your Home to Sell Faster & At Top Dollar

 
If you're thinking of selling your home any time soon, here's a little secret to help you sell it faster and for top dollar... "Staging" is the latest buzzword in real estate, ...
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How to keep those darn pests out of your home

 
Have you had any pest problems in your home yet? If so, here's how to prevent their visits - and spook 'em out of house 'n home if they've already started to creep in. The ...
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Do you have a will for your estate? Don’t wait until ...

 
According to studies, fewer than half of all adults have a will. Let's face it, nobody wants to think about death - let alone spend money preparing a will, when it's something you ...
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Ethical investing - how to profit without having a negative ...

 
Your financial goals and social conscience don't have to be mutually exclusive. With ethical investing, it's possible to earn healthy returns without having a negative impact on ...
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How to instantly eliminate all of your high interest debts.

 
In 2006, CMHC reported that 71% of all mortgage consumers refinanced before their mortgage term was up. Of those who refinanced, 29% did so to consolidate debt. It's easy to see ...
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What your credit card company doesn't want you to ...

 
If you have one or more credit cards, this is a MUST read article... Seems there's hardly a day goes by that your mail box is not stuffed with some new bank offering some new ...
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8 Real Estate Investor Mistakes That Kill Profits

 
With the recent drop in real estate prices, it's the perfect time to buy investment properties. Like any other endeavor, though, there's a right way and a wrong way to go about ...
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Buying a Home or Investment Property?

 
Are you considering buying a new home or investment property in the near future? Buying a home is a major investment no matter how you look at it. But for many home buyers ...
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Why Michael Jackson died broke and how to learn from his ...

 
The King of Pop made the best-selling album of all time, Thriller, with sales of 100 -108 million copies. Yet in spite of the huge revenues he continued to receive from such ...
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Know anyone who could benefit from this?

 
Perhaps you have a friend or family member who has been dreaming about this moment throughout their working life - BEING RETIRED and having the time and money to: Travel, fix up ...
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Divorce and your home: What you need to know

 
A divorce doesn't only result in emotional pain, it can often lead to financial turmoil. Deciding on how to deal with the break-up of the family home can be the most intimidating ...
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How to escape the debt rat race...

 
Are you tired of throwing your money away on interest charges? Are you frustrated with how long it's taking to pay off your debts? Do you wish you had less financial stress in ...
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When bad things happen to good people

 
Many Canadians find themselves bogged down with a bad credit rating for the wrong reason - illness, losing a job, or simply not understanding consumer credit. Sometimes bad ...
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A smarter way to put your tax refund to work.

 
It can be a real challenge to spend our money wisely, especially tax refunds, which may seem like free money! With the average Canadian tax refund at $750 it's tempting to blow it ...
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Before you refinance read this...

 
Before you take the plunge on refinancing your mortgage, think about how long you plan to stay in your home and how much the refinance is going to cost. If you're not careful, ...
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Is it that time again... already?

 
I can't believe it! Seems like just yesterday we were signing all your mortgage papers... ...and now, according to my calendar, it's already that time again! It's time for ...
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#1 Millionaire Maker in the World?

 
Trivia question for you... What form of investing has created more millionaires than all the others? Answer: Real Estate Investing! Yes, investing in real estate is the ...
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The pros and cons of flat fee MLS listings

 
In late October 2010, the Canadian Real Estate Association approved an agreement with the federal Competition Bureau that lets home sellers pay for only the services they want ...
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Two important questions...

 
Here are a couple important questions you may not have considered lately... Are you certain that you're on track to reach your retirement goals? Do you have a plan in ...
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How to set a family budget you’ll actually keep.

 
If you're anything like me, keeping records of income and expenses - and convincing your spouse to do the same - can be a real challenge. Here are some easy alternatives to ...
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Never stop learning...

 
Regardless of how much you may have enjoyed school as a kid, chances are you were happy to leave the books behind when you finally graduated. However, recent scientific research ...
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Top 5 Ways to Become Wealthy

 
Almost everyone wants to become rich, but most of us never do. Maybe it's because our impression of how to become wealthy doesn't bear much resemblance to reality. Here's what ...
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What’s your happiness level?

 
This week I've decided to cover something a little different than the usual wealth/financial topic because I believe it's THAT important... Answer this question: Are you ...
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It’s not how much you make, it’s how much you save.

 
Instead of just working harder to make more money, why not make the money you have work harder for you. Here are some strategies: * Pay another monthly bill - to yourself. ...
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The Pros and Cons of Dividend Stocks.

 
When a corporation earns a profit, that money can either be re-invested in the business or paid to shareholders as a dividend. Many corporations keep a portion of their earnings ...
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6 ways to turn a financial crisis into your best ...

 
If money's a bit tight right now, here's how you can empower yourself to create a breakthrough... 1. As Barack Obama says, take personal responsibility. While external forces ...
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Visualizing your way to your goals.

 
Achieving your goals of health, fitness and personal fulfillment can be difficult--which is why most self-improvement programs fail. But here's an easy, proven way to help you ...
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Is Your Credit Less Than Perfect? Here’s How To Fix It…

 
Your credit score is the single biggest factor that lenders use in determining your interest rate when you apply for a mortgage. Yet most people don't even know what a credit ...
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6 ways to create wealth through real estate.

 
Sure, real estate is a big investment. But remember it IS an investment. If you purchase a property strategically, it can help you generate income, tax savings and capital ...
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4 reasons why savers are losers.

 
Remember the old saying, "A penny saved is a penny earned"? If it was ever true, it certainly isn't true anymore. Today, simply saving your money in a bank account is one of the ...
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