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	<title>Squirrel &#187; Advice Drill-Downs</title>
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	<description>The Mortgage Experts</description>
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		<title>Building a House</title>
		<link>http://www.squirrel.co.nz/building-a-house/</link>
		<comments>http://www.squirrel.co.nz/building-a-house/#comments</comments>
		<pubDate>Mon, 04 Jan 2010 21:20:50 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Advice Drill-Downs]]></category>

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		<description><![CDATA[When you build a house it can be a turn‐key solution where you pay a deposit and then the rest on completion, or it can be a construction loan. A turn‐key solution is just like any other mortgage &#8211; you can put down a 10% deposit and borrow up to 90% with most lenders. The 


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		<title>Removing the Ex from the Mortgage</title>
		<link>http://www.squirrel.co.nz/removing-the-ex-from-the-mortgage/</link>
		<comments>http://www.squirrel.co.nz/removing-the-ex-from-the-mortgage/#comments</comments>
		<pubDate>Mon, 04 Jan 2010 21:18:43 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Advice Drill-Downs]]></category>

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		<description><![CDATA[When you and your partner split up, either the property needs to be sold or one of you needs to buy the other out...  It is not necessarily straightforward.  


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		<title>Starting a Family and your Mortgage</title>
		<link>http://www.squirrel.co.nz/starting-a-family-and-your-mortgage/</link>
		<comments>http://www.squirrel.co.nz/starting-a-family-and-your-mortgage/#comments</comments>
		<pubDate>Mon, 04 Jan 2010 20:55:50 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Advice Drill-Downs]]></category>

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		<description><![CDATA[The reality is that starting a family is financially challenging. The good news is that mortgage products have become fairly flexible provided you plan around them properly. We deal with a large number of young professionals that are planning to start a family, but whose large mortgage also means they rely on two incomes


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		<title>Second Mortgages</title>
		<link>http://www.squirrel.co.nz/second-mortgages/</link>
		<comments>http://www.squirrel.co.nz/second-mortgages/#comments</comments>
		<pubDate>Sat, 25 Apr 2009 03:14:44 +0000</pubDate>
		<dc:creator>John</dc:creator>
				<category><![CDATA[Advice Drill-Downs]]></category>
		<category><![CDATA[Property Buying Tips]]></category>
		<category><![CDATA[10% House Deposit]]></category>
		<category><![CDATA[Private Funders]]></category>
		<category><![CDATA[Second Mortgages]]></category>

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		<description><![CDATA[A second mortgage is exactly that. For higher-risk lending we sometimes use a bank for the first mortgage (has first priority over the property), and arrange a second mortgage with a finance company


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		<title>Negotiating the Purchase Price</title>
		<link>http://www.squirrel.co.nz/negotiating-purchase-price/</link>
		<comments>http://www.squirrel.co.nz/negotiating-purchase-price/#comments</comments>
		<pubDate>Sun, 21 Sep 2008 01:53:20 +0000</pubDate>
		<dc:creator>John</dc:creator>
				<category><![CDATA[Advice Drill-Downs]]></category>
		<category><![CDATA[Property Buying Tips]]></category>
		<category><![CDATA[First Home Buyers]]></category>

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		<description><![CDATA[ It is a buyer’s market. What does that mean when it comes to negotiating the purchase price? How do you make sure you get a great deal?  We have written a PDF on this topic which you can download here:    Negotiating the Price Price is property- and vendor-dependent. On one hand, less desirable properties 


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