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  • Home
  • Who we are
    • About Pivotal Financial
  • News
  • Contact Us
Pivotal FinancialPivotal Financial
  • Home
  • Who we are
    • About Pivotal Financial
  • News
  • Contact Us

What’s ahead for the NZ and Australian property markets?

Dec 10th, 2019 adminLending News00

As 2019 draws to a close, it’s time to take stock of the past 12 months and look ahead to 2020 and beyond. So, where are the Australian and New Zealand property markets headed? Here’s what experts are […]

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Finance clause is no longer a way to “pull out”

Dec 5th, 2019 Josh BronkhorstReal News00

Consumers can no longer use the finance clause in their sale-and-purchase agreement to pull out of a property purchase. Up to now, consumers were not required to provide evidence they couldn’t raise finance, meaning they […]

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LVR restrictions are here to stay: four reasons to remain positive

Nov 28th, 2019 adminReal News00

The Reserve Bank has just announced it will leave the LVR (loan-to-value ratios) restrictions at current levels. The decision was motivated by concerns that low interest rates could “lead to a resurgence in higher-risk lending”, with banks […]

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How to make your home a more relaxing place

Nov 25th, 2019 Josh BronkhorstGeneral Tips00

Your home should be your retreat from the world. The place you feel most relaxed, and where you can have everything exactly as you want it. But sometimes things don’t work out quite the way […]

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Feeling a “bach” vibe? How to buy a vacation home

Nov 25th, 2019 Josh BronkhorstGeneral Tips00

Are you daydreaming about what it might be like to own a vacation home – a spot to pop back to whenever you feel like a weekend away? Many of us can relate to this, […]

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The sun is shining again on the housing market

Nov 25th, 2019 Josh BronkhorstGeneral Tips00

October was a strong month for the housing market, new data from the Real Estate Institute shows. For more on this, don’t miss our monthly update. Record prices in many regions The median house price […]

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Take control of your mortgage in 2020

Nov 25th, 2019 Josh BronkhorstGeneral Tips, Mortgage Tips00

Your mortgage is probably the biggest debt of your life: a significant chunk of your spending each month, the interest rate you worry about most … and the date at which you’ll be mortgage-free hovers […]

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Where will mortgage rates go over the next 10 years?

Nov 21st, 2019 Josh BronkhorstReal News00

Yesterday, in the latest issue of his newsletter Tony’s View, veteran economist Tony Alexander talked about where interest rates might go over the next 10 years, warning that long-term economic forecasts should be taken with a grain of […]

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Co-ownership

Co-owning: a feasible road to home ownership?

Nov 14th, 2019 Josh BronkhorstReal News00

Buying property with friends and family has recently become a little easier. From 1 October, New Zealand first-home buyers and their property partners (provided they have been in a KiwiSaver scheme for three years or […]

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NZ mortgage rates may rise again soon

New Zealand economists received an end-of-year surprise

Nov 14th, 2019 Josh BronkhorstLending News00

New Zealand economists were served another surprise this week when – defying most bank forecasts – the Reserve Bank elected to keep the Official Cash Rate (OCR) on hold at 1 per cent. Up to that […]

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