NEWSLETTER - January 2020

For the latest for the Focus Team take a look at our January Newsletter

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We often get asked about refinancing ‘Is it worth it – How much will I save?’ 

Refinancing your existing loans can most certainly have some benefits

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Bernard Hickey Market Update September 2019

The omens on both the supply and demand sides are looking better for house prices as the spring open home season arrives.

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What Exactly Is A Caveat?

It’s not unusual in New Zealand to come across a caveat on a property.

For some seeing the work caveat immediately activates the internal warning bells, conjuring up images of warring neighbours, family disputes or previously dodgy dealings. But rest assured this is rarely the case. As with anything the best way to dispel a myth is to get curious, get to the bottom of things & understand how caveats work.

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There is an amazing amount of information on the web and you can Google almost anything with instant results.  But I thought it would be a good idea to introduce you to some specific websites which are very helpful when budgeting, building or purchasing a home. They all provide some great information and generally very easy to navigate around and understand

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Don't Fear the Second Tier


Over the last 3 years we've really seen the banks tighten their lending criteria. Gone are the days of approving loans based on your previous history & good character. These days we’re at a point where loans are approved based on if the ‘computer says yes’.

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Buying a Home with a Family Member or Friends

With the average house price in New Zealand being at least 6 times the average income and Auckland housing affordability around 9 times the average income, it may seem nearly impossible to live the dream of owning your own home.  However, over recent years we’ve seen a shift in the types of home loan applications we receive – with an increase in family members or friends purchasing homes together to get onto the property ladder.

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Market Update March 2019 Bernard Hickey

In a decade or two we’ll probably look back on 2019 as a holding pattern year.

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Rebuilding Your Equity - Where Do You Start?


As the New Year fades away and the hustle and bustle of the holidays subsides, it is a good opportunity to revisit your financial goals and start implementing some simple tips and tricks to help you rebuild your equity.

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All You Need to Know About Deposits

The word deposit can cause a little confusion when it comes to buying a home, particularly if it’s your first home.  You’ll talk about deposits with the bank and you’ll also be asked for a deposit by the Real Estate agent. 

So, the word deposit comes up twice when buying a home, but are they the same thing?

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