John White
Thinking about a home loan? Consider your credit history!

Thinking about a home loan? Consider your credit history!

11 October 2018
How different properties can affect your loan options!

How different properties can affect your loan options!

21 August 2018
Deposits! John sheds some light on what they're all about

Deposits! John sheds some light on what they're all about

Have any questions? We're here to

19 July 2018
How Health of your Family May Affect Your Insurance Policy

How Health of your Family May Affect Your Insurance Policy

For many of us the decision of when to take out personal risk insurance is governed by major life changes. The purchase of a new home, birth of a child or marriage are the three most common triggers

Published In The Whakatane Beacon

18 May 2018
Who is going to be there for you at Claim time

Who is going to be there for you at Claim time

It’s safe to say that nobody who has ever had an Insurance claim paid out has ever complained that the premiums they were paying were too high. Certainly, when it comes to getting money quickly

Published In The Whakatane Beacon

22 February 2018
Why would you need your property in a Trust?

Why would you need your property in a Trust?

Recently, we have had a number of occasions where the involvement of trusts in home ownership matters has led to delays in sales or settlements. It made us wonder What are the reasons to set up a

Published In The Whakatane Beacon

8 February 2018
Planning a Budget to reach your financial goal

Planning a Budget to reach your financial goal

Well, we’ve got through the festive season and school holidays, and can now look forward to an exciting 2018. Many people will have made their New Year’s resolutions (and many of them

Published In The Whakatane Beacon

1 February 2018
Mental Health Awareness when it comes to Insurance

Mental Health Awareness when it comes to Insurance

This week the Government decided to launch an enquiry into New Zealand’s mental health system in response to calls for a probe into funding and an investigation into the pressures that the

Published In The Whakatane Beacon

26 January 2018
Is refinancing the best option for you?

Is refinancing the best option for you?

As we enter the first week of December, it’s one of those times of year that many people will look at reviewing their financial situation to see if their bank is still the best option for them

Published In The Whakatane Beacon

7 December 2017
Dates and what they mean for your Sale and Purchase

Dates and what they mean for your Sale and Purchase

On a number of occasions over the years, clients have had issues with dates that have been put onto their contracts either when selling or buying property. This can be related to not knowing what

Published In The Whakatane Beacon

23 November 2017
How Changes to the Reserve Bank Act Could Affect You

How Changes to the Reserve Bank Act Could Affect You

This week the newly formed Government met with the Reserve Bank and has announced that it is going to set up a review to monitor and possibly amend the measures used by the central bank to assess and

Published In The Whakatane Beacon

9 November 2017
Whos fundraising for YOU when you need it?

Whos fundraising for YOU when you need it?

This month has seen a number of worthy causes advertising to raise much needed funds. We’ve had mental health awareness week, breast cancer month and stroke awareness week just to name a few.

Published In The Whakatane Beacon

27 October 2017
Friday the 13th:  What could possibly go wrong with your purchase?

Friday the 13th: What could possibly go wrong with your purchase?

As today is one of those days that is feared by many superstitious types (Despite occurring two or three times a year), I thought it would be a good date to look at a few things that could go wrong

Published In The Whakatane Beacon

13 October 2017
Will you be Ready for Change When it Comes?

Will you be Ready for Change When it Comes?

There is an old saying that “The only constant in life is change”, and how we adapt to those changes is a key driver of whether we succeed or fail, whether it be related to work, family

Published In The Whakatane Beacon

21 September 2017
Buying from an Estate

Buying from an Estate

There are many ways of coming across properties to purchase, which are not always obtained through the most common processes of finding a property online or through Real Estate listings. Sometimes an

Published In The Whakatane Beacon

8 September 2017
A Reminder of the Importance of Life Insurance

A Reminder of the Importance of Life Insurance

Generally it’s the cheapest type of insurance available, and fortunately not claimed with the frequency of some other products, but it’s important to know the value and reasons why you

Published In The Whakatane Beacon

25 August 2017
MASTERING THE CONDITIONS FOR YOUIR SALE & PURCHASE

MASTERING THE CONDITIONS FOR YOUIR SALE & PURCHASE

Recent client experiences in the current competitive housing market made us think it was a good time to write an article about the importance of wording on Sale & Purchase contracts when buying

Published In The Whakatane Beacon

11 August 2017
Covering your liabilities, a gift when you're gone

Covering your liabilities, a gift when you're gone

A recent event serves as a reminder as to the importance of having a will to make life easier for your family when you die, but also brought to light how up to date insurance can provide a similar

Published In The Whakatane Beacon

28 July 2017
Clearing Confusion over Deposit Definitions

Clearing Confusion over Deposit Definitions

Recently a client putting together the terms of a contract to purchase a home came to us with a question regarding what was meant by the lawyers query regarding the deposit payment. As far as the

Published In The Whakatane Beacon

14 July 2017
New Insurances to Protect your Children in times of Crisis

New Insurances to Protect your Children in times of Crisis

Several years ago I wrote an article, “Looking after your children’s health and welfare” which detailed how you could get some insurance cover as an optional extra on your own

Published In The Whakatane Beacon

30 June 2017
Lenders Loan Affordability Tools- A Tale of Differing Calculations

Lenders Loan Affordability Tools- A Tale of Differing Calculations

Ever since banks were advised by Government legislation introduced in 2015 that they had to comply with “Prudent lending” guidelines, there has been a much stronger emphasis for

Published In Whakatane Beacon

14 June 2017
Who owns what in times of change?

Who owns what in times of change?

Recently one of our clients went to purchase a property only to find out that the ownership of the home was not just in the name of the person selling it. In fact on several occasions lately we have

Published In The Whakatane Beacon

2 June 2017
The Cost of Good Health

The Cost of Good Health

The Cost of Good Health With all the increases in costs of living and comments about the rise in grocery and petrol expenses, it is interesting to notice that one area where people expect prices to

Published In The Whakatane Beacon

19 May 2017
Options to Ease Home Loan Payments

Options to Ease Home Loan Payments

With recent local flooding and storm events, many people have found themselves in a position where managing home loan repayments presents a challenge due to not being able to work for a period of

Published In Whakatane Beacon

19 April 2017
Accessing Home Loan Funds When Building

Accessing Home Loan Funds When Building

As suitable properties to purchase become harder to come by, more and more people are looking at the option of buying land and building their own home. Anybody who is looking to finance the

Published In Whakatane Beacon

24 March 2017
Factors that affect the cost of your Insurance premium

Factors that affect the cost of your Insurance premium

Whether it is insuring your home, your car or yourself against death, injury or illness, one of the most common barriers to taking out sufficient cover is the cost of premiums. But what causes

Published In Whakatane Beacon

15 March 2017
Changes to Home Loan Discounts & Fees for Property Investors

Changes to Home Loan Discounts & Fees for Property Investors

There has been a lot of discussion in the past few months regarding the Reserve Bank’s decisions impacting property investors who now require 40% equity on any rental investment purchase. This

Published In Whakatane Beacon

8 March 2017
STRUCTURE OF LENDING

STRUCTURE OF LENDING

With markets stabilising and the Reserve Bank indicating they won’t be lifting interest rates any time soon it is a good time to look at what the recommendations are for structuring mortgage

Published In Whakatane Beacon

8 March 2017
Do You Really Need a Trust?

Do You Really Need a Trust?

Recently, we have had a number of occasions where the involvement of trusts in home ownership matters has led to delays in sales or settlements. It made us wonder What are the reasons to set up a

Published In Whakatane Beacon

15 February 2017
Consolidating Debt as a Shortcut to Home Loan Affordability

Consolidating Debt as a Shortcut to Home Loan Affordability

As we take stock of the post-Christmas spending it is sometimes sobering to note the level of short term debt that has piled up. These debts such as Personal bank loans, Hire Purchase, Store and

Published In Whakatane Beacon

1 February 2017
Key Decisions to Protecting your Business

Key Decisions to Protecting your Business

Sixty-seven percent of businesses that stop trading do so because of the death, serious illness or injury of a key person. Typically the key person or “Rainmaker” generates up to 70%

Published In Whakatane Beacon

1 February 2017
Review of the year and where to from here?

Review of the year and where to from here?

Well, what an extraordinary year this has been. Who, twelve months ago, would have predicted the changes that we’ve seen at home and abroad. In the UK, the Brexit vote went the way of

Published In Whakatane Beacon

21 December 2016
Pro's and Con's to Fixing or Floating your Home Loan

Pro's and Con's to Fixing or Floating your Home Loan

“Fixed or floating?  And if fixed for how long”.  This is probably the question that we are asked the most as mortgage advisers.  The usual response, “it totally

Published In Whakatane Beacon

7 December 2016
12 Budget Tips to Help You have a Merry Christmas

12 Budget Tips to Help You have a Merry Christmas

As Home Loan and Insurance advisers part of our Duty of Care is to try to help our clients achieve their financial goals but this time of year planning appears to go out of the window for many

Published In Whakatane Beacon

23 November 2016
Check that your Insurance policy will Protect You

Check that your Insurance policy will Protect You

Last week I purchased a new car and contacted my Fire & General broker to arrange the vehicle insurance. They provided me with a quote, but then for some reason I decided to take a closer look

Published In Whakatane Beacon

9 November 2016
Don't let Assumptions cloud your Judgement

Don't let Assumptions cloud your Judgement

When arranging personal insurance, clients can often fall into a trap of making one or more of five major assumptions.    1) The Assumption of a sudden death:  The

Published In Whakatane Beacon

28 October 2016
When Does your Insurance Get Paid

When Does your Insurance Get Paid

All insurances are pretty much the same when taken out. A sum is decided upon for the cover and premiums are calculated dependent on the risk and likelihood of a claim being made. The important

Published In Whakatane Beacon

28 October 2016
Buying at Mortgagee Auction

Buying at Mortgagee Auction

In recent times, auctions to generate the best price for vendors have become a very popular sales method. Buying at auction is a little different to a normal purchase in the fact that you

Published In Whakatane Beacon

28 September 2016
Playing the Waiting Game for Your New Purchase

Playing the Waiting Game for Your New Purchase

For some time now, real estate agents have been crying out for properties to list for sale, leading to a shortage of available stock and leading to us experiencing a “seller’s

Published In Whakatane Beacon

14 September 2016
How to find out the true value of your home

How to find out the true value of your home

In the current buoyant housing market, we have seen an increase in properties being sold at or above the listed sale price. This has been driven by a lack of suitable housing stock in relation to

Published In Whakatane Beacon

1 September 2016
The Impending Rise of the Non-Bank Lender

The Impending Rise of the Non-Bank Lender

Home loan lending requirements have gone through a significant change with the introduction of the Reserve Banks LVR restrictions which come into effect on October 1st and with it will come a

Published In Whakatane Beacon

17 August 2016
Make Sure You're Getting Insurance Advice from the Right Source

Make Sure You're Getting Insurance Advice from the Right Source

I was recently overseas and was amazed at the number of different outlets offering personal insurance. Even since I returned I have been noticing the increase in Online and TV advertised options

Published In Whakatane Beacon

10 August 2016
Welcome Home Loan Changes May Benefit Eastern Bay First Home Buyers

Welcome Home Loan Changes May Benefit Eastern Bay First Home Buyers

This week, the Housing Minister Nick Smith announced changes to the Government backed Welcome Home Loan which may allow First Home Buyers to purchase a more suitable property in the current

Published In Whakatane Beacon

4 August 2016
Finance for Relocatable Homes Not so Straight Forward

Finance for Relocatable Homes Not so Straight Forward

Recently, we have had a number of clients with home loan pre-approvals who have not been able to find a suitable property to purchase in their price range. An option that has been suggested for

Published In Whakatane Beacon

6 July 2016
Bank's Criteria is not always Created Equal

Bank's Criteria is not always Created Equal

You may think that all banks will look at home loan applications the same way, and the only difference between lenders comes down to interest rate pricing and the experience in the branch, but

Published In Whakatane Beacon

21 June 2016
Don't Try to Close the Stable Door After the Health Horse has Bolted

Don't Try to Close the Stable Door After the Health Horse has Bolted

Recently we have seen a couple of occasions when the timing of clients Insurance enquiries has unfortunately been too late to get the cover they require. The key thing to bear in mind when

Published In Whakatane Beacon

7 June 2016
Can your Insurance Policy change as you do?

Can your Insurance Policy change as you do?

Many insurance policies on the surface look very similar and may even have comparable prices, but do you know whether the policy is able to adapt to fit your changing needs at each stage of your

Published In Whakatane Beacon

25 May 2016
GIFTING TO HELP WITH HOME PURCHASES

GIFTING TO HELP WITH HOME PURCHASES

GIFTING TO HELP WITH HOME PURCHASES As house prices have increased in line with the demands of the current market, the opportunity to purchase their own property has been difficult for many

Published In Whakatane Beacon

19 May 2016

Fixed or Floating Home Loan, What's Your best Option?

Home Loan borrowing in New Zealand differs from Australia and many countries around the world by the simple fact that the majority of mortgage loans (Around 80%) are on fixed rates while this

Published In Whakatane Beacon

15 March 2016

The Extra price of having a lower deposit

Last week, one of the major trading banks introduced new measures for those customers obtaining loans with less than a 20% deposit. The first thing that you may find surprising about that

Published In Whakatane Beacon

1 March 2016
Protecting your most valuable asset - YOU!

Protecting your most valuable asset - YOU!

If we were to ask you to name your most valuable asset, what would it be? For many people their answer would be their home. Others may suggest that their boats or cars were the most important

Published In Whakatane Beacon

16 February 2016
Is a Family Trust the right option for you?

Is a Family Trust the right option for you?

Several recent experiences and client discussions with their accountants regarding whether to put their properties in Trusts made us think that perhaps we should put something together on this

Published In Whakatane Beacon

4 February 2016
What needs to change ...

What needs to change ...

Think back to 10 years ago. Is everything in your life exactly the same as it was then? Chances are, probably not. While we may set out our goals with the best of intentions, often things change and

Published In Whakatane Beacon

8 January 2016
2015- Review of the year and what happens next

2015- Review of the year and what happens next

Well, it’s that time of the year again, when we look back at the major events of the year that have shaped the home loan and insurance markets, with an eye on the future and what 2016 may

Published In Whakatane Beacon

23 December 2015
Take out your Insurance before you know you need it

Take out your Insurance before you know you need it

Why do we have Insurance policies? This isn’t a trick question, but asking it will get different responses for each person’s situation. Whether it is to look after the family once you

Published In Whakatane Beacon

25 November 2015
Defining your deposit- some tips on timing

Defining your deposit- some tips on timing

With many of the recent news items and articles relating to the level of deposit required in order to purchase a property or obtain a top up on your loan, especially in relation to the Reserve

Published In Whakatane Beacon

18 November 2015
Updating your Insurance for your current situation?

Updating your Insurance for your current situation?

Many insurance policies on the surface look very similar and may even have comparable prices, but do you know whether the policy is able to adapt to fit your changing needs at each stage of your

Published In Whakatane Beacon

16 October 2015
What Happens after the Break-Up?

What Happens after the Break-Up?

One of the saddest repercussions of the slowdown in the economy which has led to the need for the lowering of interest rates, is the amount of relationship break-ups that we have witnessed. While

Published In Whakatane Beacon

2 October 2015
Knowing the Conditions for your Sale & Purchase Agreement

Knowing the Conditions for your Sale & Purchase Agreement

One of the aspects of any property purchase that causes confusion for many people – including those who have been through the process previously, not just first home buyers – is the

Published In Whakatane Beacon

18 September 2015
This Father's Day think about your Family

This Father's Day think about your Family

It may just be a coincidence but Father’s Day, which is being celebrated this weekend, is timed in the same month where we acknowledge the fight against Prostate Cancer as part of Blue

Published In Whakatane Beacon

4 September 2015
Keeping Things Running in Times of Crisis

Keeping Things Running in Times of Crisis

Sixty-seven percent of businesses that stop trading do so because of the death, serious illness or injury of a key person. Typically the key person or “Rainmaker” generates up to 70% of a

Published In Whakatane Beacon

21 August 2015
To Break or Not to Break?  That is the Question

To Break or Not to Break? That is the Question

We have seen quite an increase lately, in enquiries from people who have been watching the downward movements of Interest rates and wondering whether now would be a good time to restructure or

Published In Whakatane Beacon

7 August 2015
Why your Adviser should be the FIRST (not last!) choice

Why your Adviser should be the FIRST (not last!) choice

There are many reasons that people choose to use an adviser or intermediary when looking at their home loan and insurance options. For some it is not knowing where to begin with the process and

Published In Whakatane Beacon

24 July 2015
Will your new home be Satisfactory to the Bank?

Will your new home be Satisfactory to the Bank?

When receiving any loan pre-approval, one of the criteria mentioned by all banks is that the property being offered as security is acceptable to the bank in relation to the type and location of the

Published In Whakatane Beacon

10 July 2015
A Quick Way to Fast Track your Recovery

A Quick Way to Fast Track your Recovery

Recently on two separate occasions during routine medical examinations, I have heard of people being asked, “Do you have medical Insurance?” prior to the Doctor advising of the next

26 June 2015
Do you need your Assets in a Trust

Do you need your Assets in a Trust

“As soon as you trust yourself, you will know how to live.”  Johann Wolfgang Von Goethe, Faust German dramatist, novelist, poet, & scientist (1749 - 1832) This quote is from a

Published In Whakatane Beacon

12 June 2015
Good and Bad for property purchasers in Budget decisions

Good and Bad for property purchasers in Budget decisions

Last week’s budget and Reserve bank announcements provided an interesting selection of issues that could affect those purchasing property in the coming years. While centred around slowing down

29 May 2015
Options When You Don't Have Your Full Deposit

Options When You Don't Have Your Full Deposit

For many people, the chance to purchase their own home has been difficult in recent years due to the Reserve Bank and consequently lenders requirement for larger deposits. This requirement has

Published In Whakatane Beacon

15 May 2015
Approaches to Arranging Personal Insurance

Approaches to Arranging Personal Insurance

When they are considering personal insurance we generally find from our previous experience that clients come to us with one of three different proposals.  The first is based on what we, as

Published In Whakatane Beacon

1 May 2015
Who Owns the Property when the Relationship Breaks Up?

Who Owns the Property when the Relationship Breaks Up?

While there are many reasons for the ending of marriages and de Facto relationships, financial pressures are often cited as a contributing factor. It can be very hard juggling the family budget when

Published In Whakatane Beacon

17 April 2015
The Importance of Knowing your Insurer will pay at Claim time

The Importance of Knowing your Insurer will pay at Claim time

Let’s face it, when looking at Insurance companies advertising and their promises when getting you to buy their product, they all appear to be pretty much the same. However, there are a number

Published In Whakatane Beacon

3 April 2015
Mastering the Conditions of the Sale & Purchase Agreement

Mastering the Conditions of the Sale & Purchase Agreement

It recently came to our attention that while many people understand the basics of what’s involved at each stage of signing a Sale & Purchase contract to buy or sell property, there are

Published In Whakatane Beacon

20 March 2015
Is Buying your Own Home & Affordable Option

Is Buying your Own Home & Affordable Option

Comparison between buying in England and New Zealand. While Hong Kong has grabbed first place in the undesirable race to be the most unaffordable city in the world to buy property, Auckland with its

Published In Whakatane Beacon

13 March 2015
How Do You Know if you Have a Mortgage?

How Do You Know if you Have a Mortgage?

This week’s article was prompted by a request during a recent conversation about houses, their values and the terminology used by people to describe their current situation. It was suggested

Published In Whakatane Beacon

20 February 2015
A Tale Close to Home

A Tale Close to Home

Often as Insurance advisers we hear real-life stories highlighting those who have had to make insurance claims and the difference it makes having the right cover in place. It is safe to say that

Published In Whakatane Beacon

6 February 2015
How to Prove Home Loan Affordability

How to Prove Home Loan Affordability

Once again, the subject of housing affordability has come into the spotlight. In this article we’re going to cover what information the banks use and how you can improve your chances of passing

Published In Whakatane Beacon

23 January 2015
How Can An Insurance Adviser help you?

How Can An Insurance Adviser help you?

Finding the right Personal Risk Insurance can be a time consuming and confusing exercise for those who don’t do it all the time. This week we thought that we would provide some examples where

Published In Whakatane Beacon

16 January 2015
End of Year Review

End of Year Review

So we’ve come to the end of another calendar year.  A year in which the National party were returned to Government with a record victory and the NZ economy stood up very well against all

Published In Whakatane Beacon

26 December 2014
What First Home Buyers Need to Know

What First Home Buyers Need to Know

We are seeing an increase in the number of enquiries from those who no longer wish to rent, and would prefer to spend their hard earned income on their own mortgage to purchase their first home. For

Published In Whakatane Beacon

12 December 2014
The Man Behind Trauma Insurance

The Man Behind Trauma Insurance

Last week saw the passing of Dr Marius Barnard, who along with his brother Christiaan, was one of the pioneers of open heart surgery.  As well as this incredible claim to fame, he was also

Published In Whakatane Beacon

28 November 2014
Making Sure Your Love Ones are Protected

Making Sure Your Love Ones are Protected

We all like to think that we are going to be debt free, hopefully with a healthy asset position, by the time we take our last breath. Certainly for many New Zealanders it is a high priority to

Published In Whakatane Beacon

14 November 2014
Home Loan Horror Tales for Halloween

Home Loan Horror Tales for Halloween

As today is the feast of All Hallows Eve (Or Halloween), I thought that I would focus our article on some horror stories regarding things that can possibly go wrong when purchasing property. Going

Published In Whakatane Beacon

31 October 2014
Health Insurance - The Most Cost Effective Option

Health Insurance - The Most Cost Effective Option

Health Insurance- The most cost effective option in the long term 14-10-14   Whenever we think of health Insurance, it is often accompanied by the comment that it is expensive for

Published In Whakatane Beacon

17 October 2014
The Welcome Home Loan Solution

The Welcome Home Loan Solution

If you are keenly watching the housing and home loan market you may have noticed an increase in advertising in the past month from a number of lenders in relation to non standard lending products.

10 October 2014
Insurance for Dangerous Work Place or Pastimes

Insurance for Dangerous Work Place or Pastimes

Insurance underwriters, those faceless beings who make the decisions behind the cost of Insurance premiums, love statistics. A major part of their role involves calculations and reviews of data that

Published In Whakatane Beacon

19 September 2014
Make Sure the Grass is Greener

Make Sure the Grass is Greener

As we enter the first week of spring, it’s one of those times of year that many people will look at renovating or sprucing up their properties, consider moving or merely reviewing their

Published In Whakatane Beacon

5 September 2014
The Good, The Bad & The Ugly

The Good, The Bad & The Ugly

One of the biggest impacts we have seen of Generation Y’s want it all and want it now mindset is in the level of short term debt that is accrued in order to provide a comfortable lifestyle. But

Published In Whakatane Beacon

8 August 2014
When does your Insurance pay out

When does your Insurance pay out

As we have mentioned in countless previous articles, there are a number of different types of personal risk insurance. But do you know what type of cover you currently have in place, what it covers

Published In Whakatane Beacon

25 July 2014
How your Current Bank Accounts affect your Application

How your Current Bank Accounts affect your Application

What is the best way to structure your bank accounts when you’re looking for a home loan? It may be a curious question, but experience has shown us that there can be a huge impact on borrowing

Published In Whakatane Beacon

11 July 2014
Loan Affordability - not as simple as you'd think

Loan Affordability - not as simple as you'd think

For most people, providing confirmation of household income when applying for a home loan is as simple as supplying a few recent payslips which confirm regular hours and rate of pay or an annual

Published In Whakatane Beacon

27 June 2014