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SK Financial Group - Mortgage & Insurance
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✨ ✨ SK Financial Group is thrilled to receive an outstanding google review ✨ ✨
Simplifying the path to home ownership by ensuring strong and clear communication right from the start.
If you are looking to secure your next property, refinancing or simply discussing about existing … View more✨ ✨ SK Financial Group is thrilled to receive an outstanding google review ✨ ✨
Simplifying the path to home ownership by ensuring strong and clear communication right from the start.
If you are looking to secure your next property, refinancing or simply discussing about existing mortgages, feel free to connect with us.
📞 0210749825
💻 www.skfg.co.nz...
✉ info@skfg.co.nz
Right now - households are doing it tough, especially when you have mortgage, other key commitments to meet every week.
Mortgage rates are falling, but not falling significantly to keep your mortgage payments to an affordable level.
If you are feeling overwhelmed with debt, and simply want … View moreRight now - households are doing it tough, especially when you have mortgage, other key commitments to meet every week.
Mortgage rates are falling, but not falling significantly to keep your mortgage payments to an affordable level.
If you are feeling overwhelmed with debt, and simply want to find ways to better manage your finances, feel free to connect with us.
👉info@skfg.co.nz
👉09 553 6223
✨ Thrilled to receive 5-Star google review. ✨
At SK Financial Group, we are focused on delivering the best customer service with solutions tailored to your objective.
Borrowing up to 95% of the purchase price is possible.
Some conditions do apply:
1. Owner occupied property.
2. NZ Resident or Citizen.
3. Home loan top is possible.
4. Bank lending criteria apply.
Contact us if any questions.
Auctions are coming back, there is an increase in the clearance rate compared to several months ago, as more bidders are returning to the auction rooms.
As a first home buyer, you would have invested your time on the weekend for open homes, and doing your due diligence, a pathway to secure your… View moreAuctions are coming back, there is an increase in the clearance rate compared to several months ago, as more bidders are returning to the auction rooms.
As a first home buyer, you would have invested your time on the weekend for open homes, and doing your due diligence, a pathway to secure your own home.
There have been situations whereby prospective buyers have participated in auctions. However, prior to engaging in auctions, they already had pre-approvals from two different lenders with varying lending limits. This action has significantly boosted the prospective buyer’s chances, thereby being well prepared ahead of the auction day.
1. Every lender has different credit appetite, which is constantly changing.
2. To keep a track of the lenders, and banking world, it can be overwhelming for prospective buyers, hence as a financial adviser we want to assist with your journey and make the buying process smooth.
3. Added benefit of financial advice, to ensure your loan is not only approved, but loan has been structured correctly and suits your financial objective.
Are you ready to bid on your next home?
Kick start your 2024 with pre-approved housing finance.
Thinking about entering the housing market, and call your place a home, you will need to make the HeadStart now.
In 2023, we had good feedback on securing properties and getting onto the property ladder with a pre-approval.
With the … View moreKick start your 2024 with pre-approved housing finance.
Thinking about entering the housing market, and call your place a home, you will need to make the HeadStart now.
In 2023, we had good feedback on securing properties and getting onto the property ladder with a pre-approval.
With the demand for properties continues, we expect 2024 there would be good opportunities for first home buyers to secure their own.
✅ 5% deposit
✅ Before tax income of $150k (two buyers) or $95k for single buyer in the last 12months.
✅ Be a New Zealand citizen, permanent resident, or a resident visa holder.
If you have met your eligibility criteria to access KiwiSaver and housing grant, this could be used together with your own savings.
Don’t worry - if you don’t have KiwiSaver, you could still use your own savings, as long as it makes up to 5% of the purchase price.
You have worked hard for your deposit, don't miss the opportunity of owning the property because of finance.
Connect with us to assist with your first home ownership.
👉 0210749825
👉 info@skfg.co.nz
Our full disclosure is available on our website - www.skfg.co.nz...
SK Financial Group is keen to assist business customers looking at fulfilling home ownership goals or building their property portfolio!
You don’t need to be trading for 24 months to qualify, there are various options available, let us do the hard work for you while you focus on building your… View moreSK Financial Group is keen to assist business customers looking at fulfilling home ownership goals or building their property portfolio!
You don’t need to be trading for 24 months to qualify, there are various options available, let us do the hard work for you while you focus on building your business!
If you are seeking for pre-approval, we will go through all the relevant steps to get you closer to your financial dream!
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#mortgage #firsthomebuyer #homeownership #property #realestate #financialadvisor #investment #propertyinvestment
On this joyous occasion of Diwali, SK Financial Group sends you and your families our warmest regards and best wishes.
May your days be filled with brightness, new dreams, moments of happiness and success.
OCR kept at 5.50%, two in a row with no change in the OCR.
Current monetary policy working as expected to clampdown the domestic spending therefore tracking well to counter the inflation.
Members of the MPC has mentioned:
"The risks around the lagged effect of previous monetary … View moreOCR kept at 5.50%, two in a row with no change in the OCR.
Current monetary policy working as expected to clampdown the domestic spending therefore tracking well to counter the inflation.
Members of the MPC has mentioned:
"The risks around the lagged effect of previous monetary tightening on households and businesses. The average mortgage rate on outstanding loans is expected to rise from around 5% to near 6% by early 2024, and debt servicing costs as a share of income are still increasing."
Reserve bank has no intention to move on OCR rates, as they are working towards bringing the consumer price inflation between 1% - 3% in the second half of 2024.
Some of the economists are still predicting another rise later this year on the OCR, which could be the max.
Interesting times ahead, with election and CPI update in the next three months, which will give some more clarity.
As reserve bank does their OCR review, it is worthwhile reviewing your mortgage, spending at least 5 - 10 minutes, can potentially save you some interest cost.
If you are unsure, you can engage us, we love to explore options and create an opportunity to grow your wealth.
👉 info@skfg.co.nz
👉0210749825
Your journey to financial freedom DOESN’T begin on the settlement day of your home.
Mortgage is secured against your home, and you
would want to ensure that you and your family are
residing in your own property despite any unforeseen
circumstances.
As a financial adviser, specialising in … View moreYour journey to financial freedom DOESN’T begin on the settlement day of your home.
Mortgage is secured against your home, and you
would want to ensure that you and your family are
residing in your own property despite any unforeseen
circumstances.
As a financial adviser, specialising in personal risk, we
take a pragmatic approach to understand your full
situation, so that you are adequately protected.
Unforeseen circumstances are triggered due to
conditions or situation when a family member is unable
to work due illness or injury.
Hence, creating a burden on the family to manage
mortgage payment, day to day living expenses.
At SK Financial Group, we build your way to financial
freedom.
We want to ensure that you are not only focusing on
creating wealth but protecting your wealth.
Therefore,
We treat mortgage and insurance equally.
At the end of the day, you would want to have a
stress-free family dinner, and focusing on other family
goals.
Connect with us to learn more:
📲0210749825
📧info@skfg.co.nz
💻www.skfg.co.nz
We love to assist buyers secure their own property.
Having your own is first step towards financial independence.
We understand the pain points with the buying journey, completing the application forms, compiling the documentation, and finding the right documentation can be tricky.
Why … View moreWe love to assist buyers secure their own property.
Having your own is first step towards financial independence.
We understand the pain points with the buying journey, completing the application forms, compiling the documentation, and finding the right documentation can be tricky.
Why own?
- Avoid restriction to beautify your home
- No restriction by the landlord
- You don't need to invest your precious time for property manager to conduct viewing.
- Freedom to renovate (note: some type of building work would need permits)
Get in touch for FREE 10-minute consultation.
Engage with us to learn how we streamline the process.
📲 0210749825
💻info@skfg.co.nz
Next few months, it will be crucial to keep close eye on your mortgage. It is expected that significant number of fixed rate mortgages are due to expire.
Homeowners in New Zealand would be looking at fixing at higher interest rates once their existing fixed term expires.
We are here to … View moreNext few months, it will be crucial to keep close eye on your mortgage. It is expected that significant number of fixed rate mortgages are due to expire.
Homeowners in New Zealand would be looking at fixing at higher interest rates once their existing fixed term expires.
We are here to help; as mortgage adviser, can assist with:
✅ paying off mortgage faster to save interest cost
✅ review your fixed term option
✅ discuss about preferred mortgage repayment to keep you going whilst meeting your day-to-day outgoings.
✅ mortgage restructuring
With high inflation, sky rocketing cost to maintain household expenses, you could focus on sustainable mortgage repayments to keep you and your family in secured financial situation.
Consult with us to learn more:
📲 0210749825
💻info@skfg.co.nz
Read our latest blog on test rate also known as Sensitivity Servicing Rate (SSR).
The current interest rate environment does impact the test rates, the lenders would be quick to push the rates, which can impact your borrowing power.
Stats show inflation is heading downward and have passed the peak.
Some positive, but a battle with domestic inflation remains.
Read our latest blog on "Moving Forward", how you can tackle with the uncertain situation with the rising mortgage rates, with some lenders pushing up … View moreStats show inflation is heading downward and have passed the peak.
Some positive, but a battle with domestic inflation remains.
Read our latest blog on "Moving Forward", how you can tackle with the uncertain situation with the rising mortgage rates, with some lenders pushing up their fixed interest rates today.
Next OCR update: 16th August 2023
Next CPI update: 17th October 2023
Engage with us if you wish to have free 10 min consultation on your mortgage arrangements.
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