It's No Secret
It’s No Secret is a podcast for Kiwis who want their money questions answered.
Are you wondering when is the right time to get on the property ladder, whether you should invest with family or how to talk to your significant other about investing and budgeting? If yes, you’re in the right place. Our hosts Cat Emerson and Christine Jensen will answer these questions and more.
They’ll take you through the ins and outs of all things finance, money, property, investing and building wealth so you can move towards achieving financial freedom. Whether it’s learning about budgeting, what to do with your savings or whether you should be investing in the share markets, we’ve got you covered.
Each Tuesday we’ll release one short episode that answers a specific money question. No long ramblings and no financial jargon. Investing hacks, budgeting tips and financial freedom included.
You’ll be left feeling inspired, relieved and ready to take the next step in your financial journey.
Happy listening!
Submit a money question or get in touch at our Instagram @itsnosecretnz
It's No Secret
89. Mortgages 101 | Part 1
In this 2 part episode, we'll be chatting about the step by step on how to buy a house.
Whether you're a first-time buyer or a seasoned pro, we outline the steps you'll need to take, including some tips to take to help make your house hunt easier both mentally and hopefully financially.
In this episode, we cover:
- When should you set your goal to buy a house, and is your timeline flexible?
- What is the ideal deposit amount you should aim for, and what are the implications of different percentages (20%, 10%, 5%)?
- What is LVR and how does it influence your borrowing capacity?
- How can online mortgage calculators assist in planning your budget and repayments?
- What role does your KiwiSaver fund play in buying your first home, and how can you maximize its benefits?
- How do loan approval processes differ when working with a mortgage broker vs going directly to a bank?
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Got questions? Get in touch: www.itsnosecret.co.nz
Disclaimer:
Investing involves risk including the possible loss of principal and there is no assurance that the investment will provide positive performance over any period of time.
The information provided should not be relied upon as investment advice or recommendations and should not be considered specific legal, investment or tax advice.
Any information we provide is general only and current at the time of writing.
Kernel Wealth Limited is the manager and issuer of the Kernel KiwiSaver Plan and Kernel Funds scheme. The Product Disclosure Statements are available at www.kernelwealth.co.nz