We’re hoping to buy our first home in the new year and people keep telling us that it’s a really good time to get a mortgage because interest rates are low. Apart from my student loan I’ve never really borrowed money before and I’m not sure how all this mortgage stuff works. My partner is from overseas so he’s not very clued up on the New Zealand system and we’re both a bit freaked out at the thought of signing up to 25 years of debt! I feel like I’ve done heaps of research about what to look out for when you’re buying a house, but when it comes to banks, I’m a bit lost. What do we need to look out for when we’re shopping for a mortgage and who can help us?
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