The Reserve Bank has dropped the OCR by another 25 basis points this week, putting it at 3.50%. 

Many homeowners would have rushed to refix or float while waiting for the announcement in December, but at what point is it worth breaking your mortgage for a lower rate? 

LISTEN ABOVE

The Reserve Bank has dropped the OCR by another 25 basis points this week, putting it at 3.50%.&nbsp;
Many homeowners would have rushed to refix or float while waiting for the announcement in December, but at what point is it worth breaking your mortgage for a lower rate?&nbsp;
LISTEN ABOVE

Home is where the heart is, and there’s no question that Kiwis LOVE property. Newstalk ZB’s OneRoof Radio Show is a full-house of property talk, tips and tricks. 

Leading industry experts join us to discuss and debate the latest in market trends, investments, DIY and much more. Step inside The OneRoof Radio Show and make yourself at home.

Home is where the heart is, and there’s no question that Kiwis LOVE property. Newstalk ZB’s OneRoof Radio Show is a full-house of property talk, tips and tricks. Leading industry experts join us to discuss and debate the latest in market trends, investments, DIY and much more. Step inside The OneRoof Radio Show and make yourself at home.

Home is where the heart is, and there’s no question that Kiwis LOVE property. Newstalk ZB’s OneRoof Radio Show is a full-house of property talk, tips and tricks. Leading industry experts join us to discuss and debate the latest in market trends,...

The OneRoof Radio Show

Debbie Roberts: Restructure your mortgage

https://api.omny.fm/orgs/7784f840-c291-422a-924b-ad9000bbad71/clips/f96380b8-9229-4e78-89bd-b2bd00579b08/transcript

It's pretty common these days when buying a house to throw in a couple conditions with your offer. 

You're going to want a building report, your bank may want a property valuation before they agree to insure the property, and most commonly - you may need to sell your home first before your able to settle on the next one. 

But for a seller, any one of these could be a deal breaker - and could mean a lower offer is accepted over yours just because it's unconditional. 

LISTEN ABOVE

It's pretty common these days when buying a house to throw in a couple conditions with your offer.&nbsp;
You're going to want a building report, your bank may want a property valuation before they agree to insure the property, and most commonly - you may need to sell your home first before your able to settle on the next one.&nbsp;
But for a seller, any one of these could be a deal breaker - and could mean a lower offer is accepted over yours just because it's unconditional.&nbsp;
LISTEN ABOVE

Campbell Dunoon: Is a conditional offer ruining your house-buying chances?

https://api.omny.fm/orgs/7784f840-c291-422a-924b-ad9000bbad71/clips/fc8fa0ea-4605-4d2d-a21b-b414004755e4/transcript

Who hasn't at some stage in their life been a landlord or tenant?

For many people, it's the first time they have to think about contracts and legal obligations - but are there red flags which should have you as a landlord rejectying a particuolar tenant - and like wise as a tenant that have you looking for somewhere else to live.

LISTEN ABOVE

Who hasn't at some stage in their life been a landlord or tenant?
For many people, it's the first time they have to think about contracts and legal obligations - but are there red flags which should have you as a landlord rejectying a particuolar tenant - and like wise as a tenant that have you looking for somewhere else to live.
LISTEN ABOVE

Mike Atkinson: Red flags tenants and landlords miss

https://api.omny.fm/orgs/7784f840-c291-422a-924b-ad9000bbad71/clips/22fdfb71-e1c8-4053-9c20-b40d0049f148/transcript

New builds and townhouses alike have become the best option for first home buyers looking to get into the market. 

Townhouses offer a lower-cost alternative to standalone homes without having to fully commit to apartment living, and new builds often mean low-deposit loans and easier access for first home buyers. 

Problem is, the boom of new build townhouses is quickly slowing down - they're no longer classed as new builds, thus no longer as easy of a first option. 

It's not just a problem for potential buyers - it also means that those looking to sell the townhouses they purchased new a few years back, are waiting much longer for them to sell for not much more than what they were purchased for. 

LISTEN ABOVE

New builds and townhouses alike have become the best option for first home buyers looking to get into the market.&nbsp;
Townhouses offer a lower-cost alternative to standalone homes without having to fully commit to apartment living, and new builds often mean low-deposit loans and easier access for first home buyers.&nbsp;
Problem is, the boom of new build townhouses is quickly slowing down - they're no longer classed as new builds, thus no longer as easy of a first option.&nbsp;
It's not just a problem for potential buyers - it also means that those looking to sell the townhouses they purchased new a few years back, are waiting much longer for them to sell for not much more than what they were purchased for.&nbsp;
LISTEN ABOVE

Nichole Lewis: Townhouses are a bad investment

https://api.omny.fm/orgs/7784f840-c291-422a-924b-ad9000bbad71/clips/42531692-5048-4131-ae48-b4060041b44f/transcript

Debbie Roberts: Restructure your mortgage

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