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Blog

It’s becoming harder for Kiwi parents to transfer wealth to the kids

15/11/2018

Here at Southern Cross Partners we’ve become aware that New Zealand parents are finding it harder than ever to help their children buy homes because certain mainstream bank lending requirements mean that asset wealth is no longer good enough for mainstream financiers.

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Proposals for disclosure of mortgage commissions will protect public and advisers

mortgages, mortgage advisors, commissions, lenders, brokers 02/07/2018

Proposals to make mortgage advisers disclose commissions are a good thing that will help protect both advisers and consumers.

A recent discussion document from the Ministry of Business, Innovation and Employment – which proposes that advisers disclose information about fees and commissions – will encourage more transparency in the process, and is something that SCP already have insisted on in all our documents; mortgage advisers already adhere to these conditions when dealing with SCP.

The proposals however, could go further.

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How to pick an investment with less stress for your retirement

Investment, Stress-free, Retirement, Planning 28/06/2018

When you’re retired, you want to be able to maintain a reasonable income level while still accruing a little bit of wealth to keep you in the lifestyle you deserve. While you may have invested to build your nest egg, now that you’re in your golden years, how can you keep the money train moving forward?

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What's in a name? How we became Southern Cross Partners

News, Our Story, History 07/06/2018

Established in 1997 as Southern Cross Finance Limited, the company was born to assist everyday New Zealanders with their mortgage finance requirements that fell outside normal banking criteria. In 2009, under the Contributory Mortgage Regulations, we began matching investors with borrowers who had property to offer as security for their loan.

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Helping New Zealand builders build and helping first time home buyers get their house

Planning, Building, First time homeowners, First time buyers, Helping Kiwis buy homes 09/05/2018

Banks want finished houses, and builders want to build them. It seems like a match made in Heaven, but there’s one catch. Someone has to pay for the houses to be built, but neither party is putting their hands up. As a consequence, New Zealanders are left with a pre-approved loan that can’t buy them the land or allow them to make progressive payments during construction.

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New Zealand investors need to do their research

Investment, New Zealand Investors, Research 24/03/2018

The Global Financial Crisis led to the Government and the Financial Markets Authority (FMA) making an effort to try and protect New Zealand investors with new legislation. Despite this, many people are too trusting and lack basic financial knowledge, which means many New Zealand investors are still at risk.

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Education over regulation with cryptocurrency

Cryptocurrency, Bitcoin, Investment 15/02/2018

South Korea has recently called for New Zealand to lead the regulation of cryptocurrencies. Governments can try to regulate, but the nature of cryptocurrencies means it’s not likely to work.

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