<h1>5 Leading Reasons Why Insurance Matters</h1> Insurance by its very definition prompts feelings of anticipated loss, and thoughts of what is at risk, of damage, injury and even death - all things most people would prefer not to ever think about. The reality is that most of us under-invest in our insurance or overlook it altogether hoping that the worst-case scenario never happens. But your well-being and that of your family are the most important factors in the world for you, so it makes sense to protect this in a way that gives you peace of mind now, and an anticipated future that’s free from financial worry for those left behind to figuratively pick up the pieces. We have five top reasons why it matters to be appropriately insured:&nbsp;1.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Fact: Life is Unpredictable and Temporary. Mostly we travel through life living in the moment, enjoying the good times and trying to escape the bad as quickly as we can.&nbsp;Once you have a family, children, a home, and assets you cherish then the threat to that feeling of peace can overwhelm you if you haven’t prepared for it.2.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Increasing Household Debt. Your personal circumstances will change constantly. As you marry, have children, buy a home, maybe another, acquire additional assets and/or perhaps start a business your debt will likely escalate as well. These milestones all have associated financial and emotional risk so insuring against any of these being threatened or destroyed, is critical.3.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Uncertain Economic Times. Our vulnerability to markets and political changes and even world medical events as evidenced recently, can have a detrimental impact on our future employment and income. Having particular policies in place that reduce your financial exposure – Redundancy cover, Income Protection, Key Personnel, Life and Business-specific policies designed to protect you, these all make logical sense.4.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;A Medical System Already Under Pressure. Our health and the needs that go with that are occasionally outside of our control. Apart from the obvious factors of good genes and healthy lifestyle choices, sometimes the unexpected and uncalled for happens and your access to immediate and first-rate medical care is necessary. With public health services stretched and long waiting lists, you cannot assume that your distressing medical situation is going to be fixed in the time frame you expect.&nbsp;An appropriate Health insurance policy that supports you or a family member through a medical challenge is traumatic enough without money worries added to the mix. An insurance policy can cover this one part of the process, to be confidently crossed off a long list of concerns for you, your partner and family members.5.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Escalating Litigation and Compliance. In today’s fast-expanding environment of professional liability, compliance and litigation, the capacity to find yourself and your business in the cross-hairs of an incident that was not anticipated has risen. A lack of insurance or being underinsured in this area because of the enormous cost of remedy, may put you out of business altogether. So where to turn to now for help? Who can you talk to confidentially about your dreams and goals? <a href="https://www.fundmaster.co.nz/services/insurance" rel="noopener noreferrer" target="_blank">Fundmaster’s skilled advisers</a> are trusted and experienced professionals, with a depth of knowledge, who will guide you through the overwhelming volume of often disparate information on a range of insurance policies. Fundmaster takes a holistic approach to the assessment of your income, medical history, and lifestyle to reach the appropriate insurance that’s right for you. Call us today, to discuss your long-term goals and safeguard the well-being of you and your loved ones.&nbsp;

5 Leading Reasons Why Insurance Matters

Why insurance matters 

First Home Buyers – Stepping onto the Property Ladder&nbsp;Doing anything for the first time often creates a certain amount of anxiety – even fear. Few things more so than the decision to step onto the property ladder and buy your first home. You’ve stuck pictures on your vision board, followed all your favourite interior design Instagram influencers and dreamed about the day you’ll own your own home. But the decision to commit to your biggest financial outlay to date needs to be carefully planned to ensure that the entire process runs smooth. Think of it as a goal you’re working towards that needs a professional project manager to keep everything on track. You’re heading for the ultimate prize – a new address and your name on the title.It’s All About the GroundworkBefore you set foot in an open home, or scroll the Trade Me ads or call your friendly real estate agent to ask about the market, your first port of call needs to be a Fundmaster mortgage broker to ascertain the most important element of all: <a href="https://www.fundmaster.co.nz/tools/affordability" rel="noopener noreferrer" target="_blank">How much can I afford to spend?</a> The answer will dictate the location and type of home you buy and even whether you can afford to buy right now.Saving Tips that Get you there Faster<img src="http://api.fundmaster.co.nz/images/95bb58c8-9d9c-4aaf-be8a-36922afef84d.png" />So, starting with the dollars and cents you are realistically able to spend is critical. For example, lower-quartile house prices in Auckland in July 2019 were about $650,000, so if you want a 20 per cent deposit, you’ll need $130,000. That’s a daunting amount of money so having a savings plan to build up a nest egg for your deposit is key. Some ideas to get you on track are:<ul><li>Have a savings plan where you are setting money aside each week from your pay packet. This will develop good budgeting habits and “ring-fence” your money for future property investment. Try putting it in a separate bank account and even use a different bank to impose some blocks on yourself to accessing it so it accumulates untouched.</li><li>Look into ways in which you can increase earnings – have you got a “side-hustle” that will bring you some secondary income? Babysitting, home cleaning, party plan selling, making home baked goods for the local deli, anything that can yield some extra cash to be stashed in your home deposit account will help.</li><li>Cut back on the luxuries that you absolutely do not need. A gym membership can be replaced with a home-based workout; make coffee at home and take it on the train in your keep-cup rather than stopping at the café as you drive to work and pay to park. It seems like “nickels and dimes” but these all add up and the reduction in spending makes your bank account cashflow look good too.</li></ul>Your Fundmaster mortgage broker will be able to assist you with down-payment planning so that you have a goal to work towards and can begin getting your ducks in a row to acquire that dreamed-for first home.Crunching the NumbersA Fundmaster mortgage broker will meet with you at this initial stage and go through your complete finances, discussing your budget and what your loan obligations are going to be. Our handy <a href="https://www.fundmaster.co.nz/tools/mortgage" rel="noopener noreferrer" target="_blank">calculation tool</a> will give you a good indication of your repayments. It’s a valuable snapshot of what to expect from a range of different scenarios. Some of the factors your broker will need to know to make your application look as attractive as possible are:<ul><li>Do you have a <a href="https://www.kiwisaver.govt.nz/new/benefits/home-withdrawl/ks-first-withdrawl.html" rel="noopener noreferrer" target="_blank">KiwiSaver savings account</a> and what are the total funds and eligibility of the applicants for the loan?</li><li>What is your eligibility for a <a href="https://www.kiwisaver.govt.nz/new/benefits/home-sub/" rel="noopener noreferrer" target="_blank">KiwiSaver Home Start Grant </a>through Housing New Zealand?</li><li>Are you receiving financial assistance from family members – the “Bank of Mum and Dad” - and if so, how much are they putting in?</li><li>What savings do you have and how are you setting regular funds aside?</li><li>What other material assets do you own?</li></ul> Next StepsAt this point your Fundmaster mortgage broker will collate this information - your income, liabilities, expenses, amount of deposit, and prepare an application to connect you with the lender that’s right for you. This is the time to be aware of any hidden costs and additional funds you will need at the time of purchase and conveyancing. These could include all or most of the following:<ul><li>Legal fees</li><li>Pre-purchase building inspection fees</li><li>Pre-purchase registered valuation costs, if required</li><li>Insurance premiums – for both the dwelling and if applicable, mortgage protection insurance</li><li>Council rates obligations</li><li>Furniture removal costs</li></ul><img src="http://api.fundmaster.co.nz/images/4fe8a0ea-fc73-4226-a4b1-d7e368982b2d.png" />Not in a Position to Buy just Yet?Whether you’re doing this exercise with your Fundmaster broker or on your own tapping the details into our <a href="https://www.fundmaster.co.nz/tools/affordability" rel="noopener noreferrer" target="_blank">online calculator</a> you may discover that you’re not yet in a financial position to purchase your first home. Remember that if you have been declined by a bank for a loan in the past this must be declared in subsequent applications. A past rejection could impact on the outcome of your application. But by using a broker from the get-go you’ll be able to apply for a mortgage knowing that you are presenting the best possible case to secure the funds. Thinking of buying you first home? <a href="https://www.fundmaster.co.nz/contact-us" rel="noopener noreferrer" target="_blank">Talk to a Fundmaster mortgage broker today</a> and let us help you take the first step on your exciting journey toward home ownership.

First Home Buyers

Fertile Fields in a Mortgage Landscape&nbsp;It’s been hard to miss all the current stories and discussion in the media about the record low-interest rates globally and in New Zealand. Unless you’ve been living off the grid in the mountains, on a space shuttle to Mars or in the middle of the Pacific Ocean on a sailboat, interest rates continue to create a stir and even in those far-flung areas, the news is sure to have reached you. However, if you live, or want to live somewhere more conventional – in a residential home resting on your own piece of dirt, for example, then these historically low-interest rates are certainly very favourable.&nbsp;In September 2019, <a href="https://www.rbnz.govt.nz/monetary-policy/official-cash-rate-decisions" rel="noopener noreferrer" target="_blank">The Reserve Bank left the OCR unchanged </a>at its record low of 1% as predicted. Industry analysts and policymakers assert that this leaves room for more fiscal and monetary stimulus for the economy, to keep inflation in check and for the government to achieve employment goals. The door is open for further easing if need be,&nbsp;but all the indications are that there’s never been a better time to get a mortgage and buy a home. New Zealand’s interest rates, in line with those globally, are expected to stay low in the long term.What Does This Mean for Home Buyers and Homeowners?<img src="http://api.fundmaster.co.nz/images/991e307d-4bf1-41d7-b062-da1ab72197c1.png" />For most, your home purchase is likely to be the biggest financial commitment you make in your lifetime. If you need to secure a mortgage to make it happen, Fundmaster have an expert team of mortgage brokers to help you negotiate the optimum mortgage rate from a large range of lenders – including your own bank -&nbsp;so you can be debt-free faster. We are committed to delivering outstanding service to our customers as evidenced by our winning the prestigious NZSG Home Loan Adviser of the Year in both 2017 and 2018.&nbsp;The question of whether the current low interest rates make this a good time to jump&nbsp;are entirely contingent on what your current circumstances are. If you are in the market to purchase a home, particularly as a first home buyer, rates starting as low as 3.5% – 3.55% are going to leave more money in your pocket so you can allocate more of your income to pay your mortgage off sooner. At Fundmaster, our mortgage brokers will meet with you and evaluate your entire financial position so that we can source the right loan and the lowest rates possible with terms that are suited to your circumstances and future goals.Should I Wait to Get on the Property Ladder?<img src="http://api.fundmaster.co.nz/images/a89bbb77-110d-45a6-bc9c-f8fa1388f95d.png" />The question that first home buyers will be asking is whether to “wait and see” or move now and take advantage of these historically low rates. Your first port of call, before you even go through your first open home, should be to discuss your concerns, questions and the facts of your finances with a Fundmaster mortgage broker. Many first home buyers are entering the property market with a low deposit of 10% equity or even less. For higher equity borrowing&nbsp;of 20% or more you will have banks competing for your mortgage.&nbsp;For low equity borrowing, you may find, now that the banks tightening up on their approval for lending criteria, that you are actually competing for a loan with other low deposit borrowers like yourselves. A broker will give you the edge when dealing with the various lenders to ensure that you understand the offerings and are able to compare “apples with apples”.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;If you are assuming that you may not qualify or be able to secure a home loan, then there has never been a better time to conquer your doubts, talk to a Fundmaster mortgage broker and make your home ownership dream a reality. An expert Fundmaster broker will guide you and advise you on how to ensure you are in the best possible position to get your home mortgage over the line on terms that are best for you.How to Get the Banks to Say “Yes” to your Next Address<img src="http://api.fundmaster.co.nz/images/3396b626-4a45-43d8-8e16-365b81304057.png" />There are two primary reasons why a mortgage will be declined. The first is poor credit and the second, a high debt to income ratio -&nbsp;is one you can start planning to mitigate well ahead of your application. Although the interest rates are at an all-time low, the banks will be looking closely at your capacity to service the debt so it makes sense to ensure your spending is under control and you have budgeted to take any increases in cost of living or interest rate rises.&nbsp;At Fundmaster we will show you how to get your ducks in a row and start the process so that on the day we submit your application you know that you have done all the right things to make that longed-for home yours.Start with a Great Mortgage Adviser and Secure the Best Deal with FundmasterOur algorithmic calculators are a handy mortgage solution tool to work out where you are at so enter in your numbers and let’s start the ball rolling. Our mortgage advisers offer mortgage solutions backed up by years of experience, a depth of banking knowledge and a long and highly-respected reputation in the mortgage-broking industry. Call us or complete your details and let’s connect to make the most of the current low interest mortgage landscape today.

The Advantage of Low Interest Rates | Fundmaster

The Advantage of Low Interest Rates

Auckland is on the cusp of a buyers’ market which has potential upside for both buyers and sellers.A modest fall in Auckland’s asking prices is offset by increases in other regions, while Wellington and four smaller regions hit asking price highs since records began in 2007.Real-time statistics from realestate.co.nz show that the Auckland region is indicating a shift into a buyers’ market. Data from March 2019 shows a small fall in the average asking price, more choice of properties and homes taking longer to sell.“While these are the classic indicators of a buyers’ market, it has potential upside for both buyers and sellers,” says realestate.co.nz spokesperson Vanessa Taylor.“That’s because sellers are also typically buyers looking for their next home. In the same market, buyers will be able to capitalise on lower asking prices for their next move, as the majority are likely to be trading up,” she says.The Auckland region’s average asking price fell 1.9% in March to $942,232, when compared to the previous month.<img src="http://www.fundmaster.co.nz/wp-content/uploads/2019/04/REA0472-Property-Report-March-Maps2.jpg" alt="New Property Listing - Fundmaster">New listings in Auckland (4,363) were up 4.6% compared to March 2018, adding to the stock already listed for sale on realestate.co.nz. The total number of homes for sale (11,026) in this region in March was up 15.2% on the same time last year.The Auckland region accounted for nearly a third of all new listings across the country. Nationally, the number of new listings fell by 3.1% (to 12,102 homes) compared with March 2018.“Houses in Auckland are also taking longer to sell,” says Vanessa.“We’ve very much moved on from the pressure cooker market which peaked in 2017.”“It was a time when buyers and sellers had to make snap decisions under enormous pressure, with the nightmare possibility of a stumble on the next rung of the property ladder, such as selling a home but not able to purchase the next one because of the rise in prices in the interim.“In the current market, buyers and sellers can take a more considered approach to purchasing their next home,” she says.“A lift in new property listings, an increase in total stock and relatively stable prices takes the pressure off.“We’ve seen that Kiwi’s passion for property is not slowing down, with 1,135,945 unique browsers searching on realestate.co.nz during the month of March. This is up 25.2% on March 2018.“When looking at the past five years, the relatively stable price environment we have right now is a stark contrast to the heady increases between 2015 and 2017.“Less stress and more realistic expectations,” says Vanessa.<img src="https://www.fundmaster.co.nz/wp-content/uploads/2019/04/Screenshot-2019-04-03-15.21.23.png" alt="Auckland region march price - Fundmaster">“Falls in average asking prices could also possibly assist some first home buyers as these falls are across all price bands.“If people move up from their first to their second home, it will free-up stock at the entry level,” says Vanessa.<h3><img src="https://www.fundmaster.co.nz/wp-content/uploads/2019/04/REA0472-Property-Report-March-Maps.jpg" alt="Property Asking Price Comparison"></h3>National increase in average asking prices counterbalance’s Auckland’s fall. Five regions hit all-time highs, since records began in 2007.The March fall in Auckland’s average asking price has been counter-balanced by increases in other regions throughout New Zealand. These include record highs in the Wellington, Manawatu-Wanganui, Marlborough, Central North Island and Southland regions.The national average asking price for March stood at $677,746, representing a 0.3% increase compared to the prior month.“While this is a relatively small increase, it shows that although the biggest region of Auckland has seen a backwards move in asking prices, there’s been enough happening across the rest of the country to counter-balance the overall impact,” says Vanessa.<img src="https://www.fundmaster.co.nz/wp-content/uploads/2019/04/Screenshot-2019-04-03-15.21.30.png" alt="New Zealand Average Property Asking Price - FundMaster">While not a record, the stand-out region in terms of a lift in average asking prices compared to the previous month was Taranaki, where asking prices rose 9.1% to $437,871.Wellington region comes alive“A healthy injection of new listings which has significantly built the region’s total stock levels, coupled with a stable price environment, is very encouraging for home hunters who have been long-starved for choice,” says Vanessa.The 944 fresh new listings brings the total number of homes for sale in the region to 1,286, with an average asking price of $657,788.“It’s been traditionally a tightly held market, so breaking the mould in March was very positive for the capital,” she says.<img src="https://www.fundmaster.co.nz/wp-content/uploads/2019/04/REA0472-Property-Report-March-Maps4.jpg" alt="Buyer Market in Auckland New Zealand Housing Stock in March - Fundmaster"><img src="https://www.fundmaster.co.nz/wp-content/uploads/2019/04/REA0472-Property-Report-March-Maps3-150x150.jpg" alt="auckland buyer market | New Zealand Inventory of Listings - Fundmaster ">For media enquiries, please contact:Alex Dudley, PPR T: 027 5399 555 E:&nbsp;<a href="mailto:alex.dudley@ppr.co.nz" rel="noopener noreferrer" target="_blank" style="background-color: transparent; color: rgb(51, 122, 183);">alex.dudley@ppr.co.nz</a><h4>Glossary of terms:</h4>As the only provider of real estate data in real time, realestate.co.nz offers valuable property market information not available from other sources.<ul><li class="ql-align-center">Average asking price&nbsp;is not a valuation. It is an indication of current market sentiment. Statistically, asking prices tend to correlate closely with the sales prices recorded in future months when those properties are sold. As it looks at different data, average asking prices may differ from recorded sales data released at the same time.</li><li class="ql-align-center">Inventory&nbsp;is a measure of how long it would take, theoretically, to sell the current stock at current average rates of sale if no new properties were to be listed for sale. It provides a measure of the rate of turnover in the market.</li><li class="ql-align-center">New listings&nbsp;are a record of all the new listings on realestate.co.nz for the relevant calendar month. As realestate.co.nz reflects 97% of all properties listed through registered estate agents in New Zealand, this gives a representative view of the New Zealand property market.</li><li class="ql-align-center">Demand:&nbsp;the increase or decrease in the number of views per listing in that region, taken over a rolling three-month time frame, compared to the same three-month time frame the previous year – including the current month.</li><li class="ql-align-center">Seasonal adjustment&nbsp;is a method realestate.co.nz uses to better represent the core underlying trend of the property market in New Zealand. This is done using methodology from the New Zealand Institute of Economic Research.</li><li class="ql-align-center">Truncated mean&nbsp;is the method realestate.co.nz uses to provide statistically relevant asking prices.</li></ul>The top and bottom 10% of listings in each area are removed before the average is calculated, to prevent exceptional listings from providing false impressions.

Auckland is on the Cusp of a Buyers’ Market | Fundmaster

Auckland is on the Cusp of a Buyers’ Market

Property buyers chasing capital gains may find the most promising pickings in smaller towns rather than the big cities.A new report by property data company CoreLogic identifying the 10 best and 10 worst places for capital value growth over the last 12 months has found that the best performers were mostly in the lower North Island, while the worst performers, which all showed declines in capital values, were mostly in Auckland and Christchurch.The top 10 places, which had growth in property values of at least 15% in the last 12 months, were Kawarau, Featherston, Clifton (Invercargill), Waitangirua (Porirua), Otamatata (a village near Lake Benmore), Cannons Creek (Porirua), Greytown, Putaruru, Ranui (Porirua), and Martinborough.The worst 10 places, which all had capital value declines of 3-5% over the last 12 months were Parau (Waitakere), Laingholm (Waitakere), Beckenham (Christchurch), Huia (Waitakere), Schnapper Rock (North Shore), Hei Hei (Christchurch), Islington (Christchurch), Rakaia (near Christchurch), Flat Bush (south Auckland)&nbsp;and Aranui (Christchurch).“The general picture is of rising residential property values in the North Island, excluding Auckland, over the past year, with softer trends in the South Island,” CoreLogic research analyst Kelvin Davidson said.Affordability was clearly a problem across Auckland and would have affected suburbs such as Flat Bush ands Schnapper Rock.“The strength in values around the lower North Island in suburbs in Porirua and south Wairarapa has partly reflected first home buyers being pushed out of Wellington City and looking further afield,” he said.Another notable feature was that turnover of properties was higher in&nbsp;places where there was greater capital growth, and lower in areas with low or negative capital growth.Reference source:&nbsp;<a href="https://www.interest.co.nz/property/94761/highest-value-growth-has-mainly-been-concentrated-lower-north-island-biggest-value" rel="noopener noreferrer" target="_blank" style="color: rgb(51, 122, 183); background-color: transparent;">https://www.interest.co.nz/property/94761/highest-value-growth-has-mainly-been-concentrated-lower-north-island-biggest-value</a>﻿

Biggest Property Value Declines in AKL & CHCH | Fundmaster

The highest value growth has mainly been concentrated in the lower North Island (Kawarau, Featherston, Clifton)

The possibility of Capital Gains Tax being introduced on rental properties did not appear to affect house prices at the investment end of the market in the six months to March, according to interest.co.nz’s Rental Yield Indicator.The Indicator tracks the REINZ’s lower quartile selling prices for three bedroom houses over a six month period in 56 locations around the country where there is a high level of rental activity, and matches them with the median rents for three bedroom houses in the same areas.Those figures are then used to calculate an indicative gross rental yield figure in each of those areas, with a rising yield suggesting rents are rising more strongly than prices, and a falling yield suggesting prices are rising more strongly than rents.The figures are updated every three months. Over the six months to the end of March the REINZ’s lower quartile selling price for three bedroom houses was higher than it was in the six months to December last year in 40 of the 56 locations monitored, was lower in 15 and unchanged in one.That reverses the previous trend where the number of locations where prices were rising had been declining, and suggests that if the possibility of CGT was having a chilling effect on investment property sales, it didn’t flow through to prices.Even in Auckland, where the residential property market has shown the clearest signs of weakness over late summer, lower quartile prices for three bedroom houses rose in five of the 10 locations monitored (Beachhaven/Birkdale, Torbay, Glen Eden, Henderson and Avondale), and declined in five (Orewa/Whangaparaoa, Massey/Royal Heights, Highland Park, Papakura and Pukekohe).Rising prices may bring a smile to the face of investors who already own rental properties and are banking on a capital gain, but it has done little to improve the relative attractiveness of buying additional rental properties because rents haven’t risen at the same pace and overall, rental yields have declined.For the six months to March the indicative yields were down in 29 of the 56 areas monitored compared to the six months to December, while they were up in 18 and unchanged in nine.In the six months to December, yields were down (compared to the six months to September) in 26 locations, up in 19 and unchanged in 11.So there has been a shift in the market over the six months to March, where lower quartile prices for three bedroom houses in popular rental locations have firmed at a faster pace than rents, forcing down rental yields in the majority of those locations.Around the country there continues to be a substantial variation in indicative yields, and therefore in the relative attractiveness of buying rental properties in different locations, with the lowest indicative yields being in Auckland 3.4% to 5.1%, the Tauranga area 3.7% to 5.0%, Waikato 4.4% to 4.9%, Kapiti 4.5%, Wellington City 4.6% to 4.9%, Tasman 4.3% to 4.4%, Nelson 4.6% and Queenstown 4.0%.The areas with the highest indicative yields were Invercargill 7.2%, Flaxmere in Hastings 8.2% Wanganui 8.1% and Waitara/Inglewood 7.6%.To view the table and tracks the indicative yields in all 56 locations monitored by the Indicator&nbsp;<a href="https://www.interest.co.nz/property/99193/investment-property-prices-were-and-rental-yields-were-down-capital-gains-tax-debate" rel="noopener noreferrer" target="_blank" style="color: rgb(51, 122, 183); background-color: transparent;">please visit the referral source article</a>

Investment Property Rates Up & Rental Yields Down | Fundmaster

Investment property prices were up and rental yields were down as the Capital Gains Tax debate raged

<h4>THE FUNDMASTER BLAZED A TRAIL OF VICTORY in 2017, 2018</h4>Fundmaster is fast becoming the number one choice for home loans and financial advice solutions for New Zealanders looking for excellent service, sound advice and a wealth of industry knowledge. Dev Dhingra, who has just been named&nbsp;<a href="https://www.indianweekender.co.nz/Pages/ArticleDetails/8/9240/Business/The-Fundmaster-blazes-a-trail-of-victory-yet-again-at-the-NZFSG-awards" rel="noopener noreferrer" target="_blank" style="color: rgb(51, 122, 183); background-color: transparent;">New Zealand’s Home Loan Adviser of the Year at the NZFSG Awards</a>, heads the team up. FundMaster win first place in all three major categories of the NZFSG awards in 2018, 2017, 2016.&nbsp;We have been BNZ no.1 since we have started.<img src="http://www.fundmaster.co.nz/wp-content/uploads/2019/04/fundmaster-awards-2018.png"><ul><li class="ql-align-center">NZFSG HOME LOAN ADVISER OF THE YEAR 2018 – 1ST PLACE NEW ZEALAND.</li><li class="ql-align-center">NZFSG HOME LOAN ADVISER OF THE YEAR 2018 – 1ST PLACE NORTHERN REGION.</li><li class="ql-align-center">BNZ ADVISER OF THE YEAR 2018 – 1ST PLACE NEW ZEALAND.</li><li class="ql-align-center">HOME LOAN BUSINESS OF THE YEAR 2018 – 3RD PLACE NORTHERN REGION.</li></ul><img src="http://www.fundmaster.co.nz/wp-content/uploads/2019/04/fundmaster-awards-2017.png"><ul><li class="ql-align-center">NZFSG HOME LOAN ADVISER OF THE YEAR 2017 – 1ST PLACE NEW ZEALAND.</li><li class="ql-align-center">NZFSG HOME LOAN ADVISER OF THE YEAR 2017 – 1ST PLACE NORTHERN REGION.</li><li class="ql-align-center">BNZ ADVISER OF THE YEAR 2017 – 1ST PLACE NEW ZEALAND.</li></ul> <h4>Awards in 2016</h4><ul><li class="ql-align-center">NZFSG 2016 HOME LOAN ADVISER NORTHERN REGION – 3RD PLACE.</li><li class="ql-align-center">BNZ BROKER TOP PERFORMING MORTGAGE ADVISER 2016</li><li class="ql-align-center">BNZ ADVISER OF THE YEAR 2016 – 1ST PLACE.</li></ul>

Our Awards & Recognition in 2017 & 2018 | Fundmaster

We are Different... Our Awards & Recognition says it All

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As a financial advice company our vision is to provide personalized solutions for clients and their families, guiding them in a professional yet friendly manner. At Fundmaster want our clients to have faith that their insurance, lending and business finance is in good hands so that their dreams manifest just the way they envisaged so they can feel secure with their future.

Vision

Fundmaster was founded in late 2012 by Dev Dhingra. After a long and successful career in business development in the banking sector, Dev saw this as an opportunity to make a difference and build a new approach to financial advice. Harnessing his expertise in banking, finance and significant credit skills Dev sought to help customers have a positive experience in the all their requirements for financial advice. His goal was to offer a personalized approach to mortgage and financial advice focussing on client’s needs and goals rather than just treating it as another application that needed transacting. 

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At Fundmaster we want our clients to have faith that their insurance, lending requirements and business finance are in good hands so that their dreams manifest just the way they envisaged - for a secure future.

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Like many Kiwi companies our journey started with a dream and was sustained with our passion and determination to become the award-winning business we are today

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Dev Dhingra

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Toby Yu

Meet the Team

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Master Your Financial Future

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Business Loan

Commercial Loan

Why FundMaster?

Why Fundmaster

Fundmaster was founded in late 2012 by Dev Dhingra. After a long and successful career in business development in the banking sector, Dev saw this as an opportunity to make a difference and build a new approach to financial advice. Harnessing his expertise in banking, finance and significant credit skills Dev sought to help customers have a positive experience in the all their requirements for financial advice. His goal was to offer a personalized approach to mortgage and financial advice focussing on client’s needs and goals rather than just treating it as another application that needed transacting.

Our Story

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Crunch the numbers on your home lending options by entering your figures into our Mortgage calculation table

Mortgage Loan Calculator | Fundmaster

Enter your details into the handy affordability table to determine your true financial position and learn what figure you may be able to borrow up to

Mortgage Affordability Calculator | Fundmaster

Thinking of investing in rental property? It’s Important to work out all the various factors that come into play – use our calculator to discover the true costs and liabilities of owning rental property

Property Investment Calculator | Fundmaster

Rental

Compare scenarios to determine the way forward for your home loan refinancing options

Mortgage Repayment Calculator | Fundmaster

Refinance

Tools

Our financial advice services can be divided into three core areas: Mortgages, Business Loans and Insurance.

In New Zealand, buying a property and getting a mortgage to make it happen requires the expertise, experience and housing market knowledge of a mortgage adviser you can trust to get the job done. At Fundmaster we have experience in a vast range of mortgage and lending requirements including:<ul><li class="ql-indent-2">First home buyers needing pre-approval</li><li class="ql-indent-2">Existing homeowners looking to refinance</li><li class="ql-indent-2">Property investors seeking finance for residential rentals</li><li class="ql-indent-2">Investors seeking finance for commercial property acquisition</li></ul><h3>Mortgage for First Home Buyers</h3>The purchase of your first home can be a challenging and intimidating experience. The first step in the process is to establish your budget with a pre-approved loan and determine, with the help of an expert mortgage adviser, what your obligations are going to be to service that loan. At Fundmaster we match you with the appropriate lender, make you aware of any hidden costs, assist with your down payment planning and introduce you to the best deals that are out there at any given time. Let us walk with you on that journey to owning your first home and we’ll ensure you are safe, informed and obtain the mortgage that is right for you.<h3>Mortgage Refinancing</h3>For existing homeowners, our team of expert mortgage advisers are passionate about assisting with the restructure of a mortgage, supplying you with a widest range of refinancing options to choose from. We will seek out and track down the best interest rates, facilitate a payment schedule that is manageable and negotiate terms that benefit you and your circumstances.<h3>Residential Property Investment Mortgage</h3>Whether you are embarking on your first foray into residential property investment or a seasoned pro, we love to source the best deals we can to improve your ROI and make the numbers stack up. Our advisers understand the unique challenges involved in structuring mortgage finance for residential investment properties and can talk you through your options and secure great rates so that you can reap the long term benefits for your residential rental properties.<h3>Commercial Property &amp; Development Mortgages</h3>Fundmaster is skilled at assisting investors needing a mortgage for the purchasing of commercial property such as retail shops, apartment developments, new subdivisions, commercially zoned land and industrial space. We understand the unique challenges that are involved with the complexities of borrowing for a commercial property purchase and will be able to help you find the deal that best works for you ensuring that your commercial property asset is working for you.<h3>Construction Loans</h3>Talk to us about construction and development loans – we can facilitate loans without requiring presales, bridging loans and will find rates suited to your project. For property developers looking for funds to launch a construction project, we will source first and second mortgage finance. We have considerable expertise in facilitating your construction loans speedily and assist with loans for multi-unit residential developments, apartment towers, office buildings, retail complexes, commercial, industrial and residential land subdivisions and more. Talk to us about your construction project and how we can get you across the line in your timeframe and in a workable structure that matches your budget and plans.

Mortgage Solutions from Qualified Advisers | Fundmaster

We offer a range of mortgage solutions from first home purchasing to refinancing your existing home, to commercial and industrial property lending for investors...

Mortgage Solution

<h3>Life Insurance</h3>If you have a family, a business, a home and mortgage and/or any other financial commitments, then a life insurance policy that fulfils those obligations in the event of your death is vital. Fundmaster have a significant background in this with our experienced qualified advisers available to sit down and take a deep dive into your liabilities and, in assessing your situation, recommend suitable life cover based on a whole raft of relevant factors. Could your family survive without you if you were gone tomorrow? Fundmaster will ensure that if the worst happened, you could rest easy knowing<ul><li class="ql-indent-2">Your mortgage was paid back to safeguard your family’s future</li><li class="ql-indent-2">Your day to day living expenses were covered</li><li class="ql-indent-2">Your children’s education and well-being were catered for</li><li class="ql-indent-2">Your funeral was paid for at a time when the family have a myriad of other concerns to deal with</li><li class="ql-indent-2">Your retirement nest egg was paid out to your loved one in the event of your premature death</li></ul>Talk to our insurance advisers about the life insurance policy that’s right for you and beneficial for those you leave behind.<h3>Income Protection Insurance</h3>Business owners and employees must ensure that they have a contingent plan in place in case of a medical or other life crisis. A tailored Income Protection insurance policy will assist you to successfully negotiate the stormy waters you and your family could be tossed into if you are taken out of the loop and your income is compromised. Whether you’re a business owner or an employee our expert financial advisers can help you to structure an Income Protection insurance policy that’s right for you augmenting your ACC cover and giving you peace of mind.<h3>Medical Insurance</h3>When disaster strikes and an unforeseen illness attacks, potentially taking you away from your work, business or family obligations, your medical insurance policy will be pivotal. Medical insurance cover will make sure you and your family are not financially compromised and able to enjoy the benefits of the best medical treatment you or they deserve. Talk to our specialist team of insurance advisers about your options in securing the medical insurance cover that is going to sustain you and your family through difficult times.

Insurance Advisers - Life, Medical & More| Fundmaster

Our insurance advisers will ensure that your life and general insurance cover is appropriately structured, based on your circumstances and aimed at protecting you and your family ...

Insurance

<h3>Commercial Offering</h3>New Zealanders are by and large, entrepreneurial and innovative with ambitious dreams and business aspirations that often require a financial injection to see the light of day. At Fundmaster we love to assist businesses source funds to grow and develop whether that be for plant, staff, property development or premises expansion. Our financial advisers aim to secure the best deal and value for money in all commercial lending scenarios. Unlike other companies we use an individualised approach – treating each client in isolation to ensure that their unique set of requirements facilitates a positive outcome which specifically enhances their business. At Fundmaster we don’t offer you a standardised cookie-cutter solution – we consider it a privilege to be entrusted with your vision and business ideas. Our team of financial advisers will craft bespoke solutions in collaboration with you to meet all your commercial lending needs, taking your business to the next level.

Business & Commercial Loan Advisers | Fundmaster

Talk to us in confidence about plans for your business growth and how we can help you do that with a loan that is structured to suit your needs and aspirations ...

Commercial Loans

Services

1st place New Zealand

Home loan adviser of the year

1st place Northern Region

Adviser of the year

3rd place Northern Region

Home loan business of the year

3rd place New Zealand

Home loan adviser Northern Region

Fundmaster is proud to have had its successes recognized by the leading industry NZFSG (New Zealand Financial Services Group) and major banks in past years. In 2018 Fundmaster won first place in all three of their major categories and in 2017 & 2016 were placed first as Adviser of the Year for New Zealand.

Our Rewards & Recognition

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Our Partners

Learn how Peter Horan from Fundmaster helped Shaun &amp; Ashley in setting up a plan and securing their first home in Auckland<iframe class="ql-video" frameborder="0" allowfullscreen="true" src="https://www.youtube.com/embed/MCcIaBUCoJI?showinfo=0"></iframe>

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Shaun & Ashley

Shaun & Ashley

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Blogs

The highest value growth has mainly been concentrated in the lower North Island (Kawarau, Featherston, Clifton)

Investment property prices were up and rental yields were down as the Capital Gains Tax debate raged

We are Different... Our Awards & Recognition says it All

Why insurance matters

First Home Buyers

The Advantage of Low Interest Rates

Auckland is on the Cusp of a Buyers’ Market

The highest value growth has mainly been concentrated in the lower North Island (Kawarau, Featherston, Clifton)

Investment property prices were up and rental yields were down as the Capital Gains Tax debate raged

We are Different... Our Awards & Recognition says it All

Why insurance matters

First Home Buyers

The Advantage of Low Interest Rates

Auckland is on the Cusp of a Buyers’ Market

The highest value growth has mainly been concentrated in the lower North Island (Kawarau, Featherston, Clifton)

Investment property prices were up and rental yields were down as the Capital Gains Tax debate raged

We are Different... Our Awards & Recognition says it All

Our Partners