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This Months Wellington Property Update

Property Update for December 2014

Headlines:

Using a licensed agent still the wisest choice
Moving in before a Code Compliance Certificate is issued
Borrowers encouraged to take advantage as banks compete

Win Deluxe High Tea for 4
Recent Wellington Residential Property Sales

 

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PU 1214 HKuchciak Page 1

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Thinking of Selling? - Click HERE

Kind Regards,

Halina Kuchciak

Your Local Wellington Area Expert

Experience - Knowledge - Results

 

Last months winner was: R King of Khandallah.

 

 


 

Retirement planning

Consider This

Even if it seems a long way off, it pays to plan for your retirement as early as possible.

Most people end up relying on NZ Super (the government pension) and their own savings for income in retirement.  How much you’ll need to save will depend on your own circumstances, but the sooner you start, the more you will have.

How much will you need?
Where will your money come from?
Getting rid of dumb debt
Watch out for the mortgage trap
How KiwiSaver can help

How much will you need?

Everyone’s retirement needs are different. To work out how much you will need, think about how long you....Continue HERE



 

Source: Sorted

 


 

 

Looking out for your Interest

963935 mortgage and money 2

 


 

ASB has rolled out a new 18-month special of 5.70% and reduced its one and three year special rates which matches ANZ's changes.
BNZ made changes to its three-year rates today.

Click here for all rate changes

 

 

GoodReturns 01/12/14

 

 


 

 

If I Were a Borrower What Would I Do?

Fix or Float

Competition between banks is strong. I would bargain and look for a sub -6% rate in the three to five year area. Such rates are out there. Note that wholesale borrowing costs for banks have fallen again this week

 

 

Thanks to Tony Alexander of the BNZ for his Weekly Comment 27/11/14

 


 

This Months Wellington Property Update

Property Update for November 2014

Headlines:

Good reasons to be up-beat about economy and real estate market
Wellington Rrgional Comparison
Wellington Regional Sales Comparison
Win Deluxe High Tea for 4
Recent Wellington Residential Property Sales

 

(Click image to open)

PU 1114 HKuchciak

(Click image to open)

 

 

Thinking of Selling? - Click HERE

 

Kind Regards,

Halina Kuchciak

Your Local Wellington Area Expert

Experience - Knowledge - Results

 

Last months winner was: H Hawke of Masterton

 

 


 

If I Were a Borrower What Would I Do?

Fix or Float

I like the look of the three year fixed rate at 6.19% so would choose that for maybe 80% of my debt and fix the rest for one year at 5.99% as a low-cost slightly inflexible proxy for floating which would cost 6.74%. If you are a term depositor as I am, just be aware that there is strong competition between the banks for your cash so do what borrowers do and discuss what one bank is offering with another and see what response you get.

 

Thanks to Tony Alexander of the BNZ for his Weekly Comment 25/09/14

 

 


 

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