A great mortgage is just the start

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Welcome to our first blog, which is all about showing you how owning property can be the key to your future financial security and prosperity. 

At Taurus Home Loans we have a simple approach for anyone needing a mortgage - first we find the best one to suit you, your family and lifestyle, and then over time we support you to achieve all your life and financial goals.

We are specialists in Mortgages and First Home Loans

For most, a home loan is one of the biggest investments you will make, but it’s also one of your most important financial opportunities.

In today’s housing market big numbers will always be involved – there’s no getting away from it.  But once you have your deposit and are able to get on the housing ladder, it’s worth thinking about your long term objective.  Is it just to own a home, or is there a bigger picture?

For most, buying a home is all about security, having your own place, your family’s happiness, and feeling like you belong and live in a great place.  After all owning your own home is a Kiwi dream, whether it’s a unit or apartment, or a standalone house on a nice section.  It’s what a majority of people would like to have.

For most mortgage brokers and lenders, helping you into your home is the main focus and once you’ve crossed the threshold and celebrated, it’s job done. 

We think differently because to us, a home is also a way to establish your future, for one simple reason – equity, or the difference between the current value of your home and the remaining debt.

Equity will increase over time as you pay off a small amount of the loan each month and the value of your home goes up.  This rise may not be consistent but over the long-term there will be growth. 

It is the equity you can use, or leverage, to achieve other things, like buy a larger house as your family grows, build or renovate, invest in a business or property, or later on, downsize, retire and go on an adventure of a lifetime.

There are many ways Taurus Home Loans can help as you travel along your financial journey.  

First home buyers – home ownership is the Kiwi dream

Getting your first home loan can be daunting but buying your first home should also be an exciting adventure.  There are lots of steps you need to take from saving a deposit, to the buying process itself.

At Taurus Home Loans we help all 1st time buyers, however far away you are from crossing the threshold, even if you are just starting and wanting some advice about how to save, want to use a home loan calculator and what you might be able to afford.

Refinancing – better rates and life’s changes

Once you’ve been a home owner for a while it’s worth regularly reviewing how your mortgage may be able to work harder.  Refinancing could be an option to get a better deal or to support a specific goal.  Setting a plan for what you want to do is a good idea and then we can advise whether refinancing can help.

Property Investment – one of the best ways to secure your financial future

We are a nation of property experts and we’re never far from talking about it, looking through real estate websites or just flicking through the weekend property pages.

Property investment is also a constant topic but it’s not just for the wealthy and can be an option for anyone who owns their own home.  And by this we don’t mean big houses on large sections; you can own a unit or an apartment and still be a property investor.

To many people’s surprise, the opportunity to be an investor can arrive relatively soon after becoming a first home owner.  The way to achieve this is to keep an eye on the equity in your home and then seek some advice about the possibility.

A balanced approach to your mortgage is best

We are passionate about property, but we are equally enthusiastic about helping you maximise the investment you’ve made in your home, in the best way possible. 

We also believe in balancing your mortgage with enjoying your home, your family and your lifestyle at same time.  It’s not all about paying off your debt as quickly as possible and there’s no point in a home loan being a ball and chain, and you not being able to get out and enjoy yourself.  We think this is the best approach for a country that loves to live life to the full.

If you are interested in talking about getting the best home loan and the possibilities that owning a home can provide, we would love to buy you a coffee – and thanks for reading our first blog.

Want to know more? Get in touch.

Posted in Home Loan Articles;

Posted 12 Dec 2016