Articles / Mortgages

What is a Flexible home loan (ANZ) and how does it work

If you’re good at managing your money, a Flexible Home Loan could help you pay off your home loan faster.

Where Do I Start In The House Buying Process?

When you first start looking to buy a house, like a lot of people you may ask yourself… where do I start? There is a lot involved in the process of purchasing a property and there are several places that you can start.

Why getting the right mortgage structure is key

We are starting to see rates increase on a weekly basis, so now really is the time to be reviewing your mortgage - it's not all about getting the lowest rate possible, but the more they continue to go up, the harder it is going to be to pay that loan down!

Invest or pay off your home loan?

Reducing your debt is a risk-free way to use surplus funds, effectively guaranteeing you a return equal to your home loan interest rate.

LVR restrictions to be reinstated

LVR restrictions take effect from March 1st, meaning you will need a higher deposit than just a few weeks ago. So what does this mean for you, and will it help cool the housing market?

Cave Financial have given us excellent advice on both our KiwiSaver and Investment Property Portfolio. I highly recommend Michael and Team. They're helpful, friendly, explain things making it easy to understand and walk you through every step of the process. Highly recommended!

Matt
Cave Financial and team have been the absolute back bone of not only my business but my family’s future. I have so much respect and trust for your team, Michael. I’m so grateful to have your full support and feel secure with your values and guidance. I would highly recommend Cave Financial to anybody wanting peace of mind. 10/5 service!

Miles
Helped so much with answering all of our questions around life insurance, then got us the best deal. Couldn’t be happier. 10/10.

Lana and Hannah
We’re a long-term customer of Cave Financial. Michael and his team consistently provide professional and effective services whilst making us feel valued and seen. We appreciate being a customer of yours for 10+ years.

Rob
I cannot recommend Michael and the team at Cave Financial highly enough. They steered me through a complicated set of mortgage applications with professionalism, good cheer, and were incredibly prompt with every query I made. On top of that they negotiated a better rate! I would not have been able to get through this arduous process without their skill and care.

Tiffiny

Latest articles

What is a Flexible home loan (ANZ) and how does it work

If you’re good at managing your money, a Flexible Home Loan could help you pay off your home loan faster.

Top tips to help you achieve financial freedom: Part One

Chances are, you won't win the lottery or make enough money to retire by age 30! So, it’s important you have a strategy in place to maximise your financial opportunities.
Financial success is a lifelong project - it's about working hard, of course, but it's also about making good decisions along the way.
That's why we have collated our top financial wellness tips. Join us every day for a week where we will cover everything from getting started, spending and saving, insurance and investments and even common money mistakes. It's never too late to improve your financial future.

Top tips to help you achieve financial freedom: Part Two

Today’s financial wellness tips focus on two sides of the coin - being a smart saver and a better borrower.
It could be argued that they both serve the same purpose of providing usefully large sums of money. Whilst borrowing money can allow you to realise your dreams quicker than saving can, many see saving as a more secure and manageable way of accumulating funds.
Today’s installment offers advice on how to create an achievable, realistic savings plan, prioritising your goals and how to get the most out of your savings account. We also look at how to keep your borrowing under control, but also how borrowing can have its benefits in the long run.