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	<title>Squirrel</title>
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	<link>http://www.squirrel.co.nz</link>
	<description>The Mortgage Experts</description>
	<lastBuildDate>Sat, 25 May 2013 06:22:03 +0000</lastBuildDate>
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		<title>As a buyer, what should you expect from the Agent?</title>
		<link>http://www.squirrel.co.nz/buyer-expect-agent/</link>
		<comments>http://www.squirrel.co.nz/buyer-expect-agent/#comments</comments>
		<pubDate>Sat, 25 May 2013 02:52:14 +0000</pubDate>
		<dc:creator>John</dc:creator>
				<category><![CDATA[First Home Buyers]]></category>
		<category><![CDATA[Property Buying Tips]]></category>

		<guid isPermaLink="false">http://www.squirrel.co.nz/?p=3888</guid>
		<description><![CDATA[This is the right question to ask, as it is so seldom asked and all too often, wrongly interpreted. Let’s start out with the facts. The real estate agent you talk to concerning the house you are interested in buying is not on your side! Yes they will be friendly, accommodating, helpful and eager but 


Related posts:<ol><li><a href='http://www.squirrel.co.nz/sponsor-a-first-home-buyer/' rel='bookmark' title='Permanent Link: Sponsor a First Home Buyer?'>Sponsor a First Home Buyer?</a></li>
<li><a href='http://www.squirrel.co.nz/paid/' rel='bookmark' title='Permanent Link: How does a mortgage broker get paid?'>How does a mortgage broker get paid?</a></li>
<li><a href='http://www.squirrel.co.nz/2010_buy_property/' rel='bookmark' title='Permanent Link: Is 2010 a Good Time to Buy Property?'>Is 2010 a Good Time to Buy Property?</a></li>
</ol>]]></description>
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		<slash:comments>0</slash:comments>
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		<item>
		<title>Impact of RBNZ capital increases on housing market and interest rates</title>
		<link>http://www.squirrel.co.nz/rbnz-capital-housing-market-interest-rates/</link>
		<comments>http://www.squirrel.co.nz/rbnz-capital-housing-market-interest-rates/#comments</comments>
		<pubDate>Wed, 08 May 2013 04:08:58 +0000</pubDate>
		<dc:creator>John</dc:creator>
				<category><![CDATA[Featured]]></category>
		<category><![CDATA[First Home Buyers]]></category>
		<category><![CDATA[Housing Market]]></category>
		<category><![CDATA[Interest Rates]]></category>
		<category><![CDATA[Investment Property]]></category>

		<guid isPermaLink="false">http://www.squirrel.co.nz/?p=3257</guid>
		<description><![CDATA[Whoop whoop &#8211; we have our finger on the pulse!  The RBNZ announcement today that bank&#8217;s will be required to hold more capital on high LVR (loan-to-value) residential mortgages is a smart move in the right direction.  Something I&#8217;ve been ranting about for a while. Higher capital will reduce bank profitability on high LVR mortgages. 


Related posts:<ol><li><a href='http://www.squirrel.co.nz/mortgage-interest-rate-strategies/' rel='bookmark' title='Permanent Link: Mortgage Interest Rate Strategies'>Mortgage Interest Rate Strategies</a></li>
<li><a href='http://www.squirrel.co.nz/has-the-housing-market-turned/' rel='bookmark' title='Permanent Link: Has the Housing Market Turned?'>Has the Housing Market Turned?</a></li>
<li><a href='http://www.squirrel.co.nz/td-price-war-might-push-mortgage-rates-higher/' rel='bookmark' title='Permanent Link: The Term Deposit Price War: Its Impact on Mortgage Rates'>The Term Deposit Price War: Its Impact on Mortgage Rates</a></li>
</ol>]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>How to deflate a property bubble</title>
		<link>http://www.squirrel.co.nz/deflate-property-bubble/</link>
		<comments>http://www.squirrel.co.nz/deflate-property-bubble/#comments</comments>
		<pubDate>Sat, 20 Apr 2013 05:50:14 +0000</pubDate>
		<dc:creator>John</dc:creator>
				<category><![CDATA[Housing Market]]></category>
		<category><![CDATA[Industry Insiders]]></category>
		<category><![CDATA[Interest Rates]]></category>
		<category><![CDATA[Musings]]></category>

		<guid isPermaLink="false">http://staging.squirrel.co.nz/?p=3250</guid>
		<description><![CDATA[No government has lost an election because house prices increased.  This goes to the heart of why we have seen decades of government in-action. Property is an easy bet – it always wins.  The only reason we now hear murmurings out of Wellington, is political awareness of the economic damage caused by higher interest rates.  


Related posts:<ol><li><a href='http://www.squirrel.co.nz/first-home-loan/' rel='bookmark' title='Permanent Link: When is a Good Time to Buy My First Home?'>When is a Good Time to Buy My First Home?</a></li>
<li><a href='http://www.squirrel.co.nz/interest-rates-stay-low/' rel='bookmark' title='Permanent Link: Economic Philosophisations &#8211; Why Rates will Stay Low'>Economic Philosophisations &#8211; Why Rates will Stay Low</a></li>
<li><a href='http://www.squirrel.co.nz/nz-property-market-collapsed/' rel='bookmark' title='Permanent Link: Why Has the NZ Property Market Not Collapsed?'>Why Has the NZ Property Market Not Collapsed?</a></li>
</ol>]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Love Thy Broker</title>
		<link>http://www.squirrel.co.nz/love-thy-broker/</link>
		<comments>http://www.squirrel.co.nz/love-thy-broker/#comments</comments>
		<pubDate>Fri, 22 Mar 2013 23:44:46 +0000</pubDate>
		<dc:creator>John</dc:creator>
				<category><![CDATA[Featured]]></category>
		<category><![CDATA[Musings]]></category>
		<category><![CDATA[Property Investment]]></category>

		<guid isPermaLink="false">http://staging.squirrel.co.nz/?p=3238</guid>
		<description><![CDATA[Ok &#8211; it&#8217;s a prairie dog, so not technically a squirrel. At the moment we feel like squirrels!  Everything is rushed.  There are lots of pre-auction offers, and auctions being brought forward on a daily basis.  Deal, after deal, after deal.  The system is stacked up and getting anything done has become harder.  At the 


Related posts:<ol><li><a href='http://www.squirrel.co.nz/broker/' rel='bookmark' title='Permanent Link: Why use a mortgage broker?'>Why use a mortgage broker?</a></li>
<li><a href='http://www.squirrel.co.nz/paid/' rel='bookmark' title='Permanent Link: How does a mortgage broker get paid?'>How does a mortgage broker get paid?</a></li>
<li><a href='http://www.squirrel.co.nz/10-hot-tips-home-buyers/' rel='bookmark' title='Permanent Link: 10 Hot Tips for First Home Buyers'>10 Hot Tips for First Home Buyers</a></li>
</ol>]]></description>
		<wfw:commentRss>http://www.squirrel.co.nz/love-thy-broker/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>What&#8217;s up with Mortgage Rates</title>
		<link>http://www.squirrel.co.nz/mortgage-rates-3/</link>
		<comments>http://www.squirrel.co.nz/mortgage-rates-3/#comments</comments>
		<pubDate>Sun, 17 Feb 2013 21:59:54 +0000</pubDate>
		<dc:creator>John</dc:creator>
				<category><![CDATA[Interest Rates]]></category>
		<category><![CDATA[mortgage rate forecast 2013]]></category>

		<guid isPermaLink="false">http://staging.squirrel.co.nz/?p=3226</guid>
		<description><![CDATA[By the time this is published in NZ Property Magazine in March, mortgage rates may have already increased.  To get my view on a timelier basis consider “liking” us on Facebook or follow our blog. Lets start with wholesale interest rates, technically referred to as swap rates.  Swap rates have been increasing since December.  The 


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<li><a href='http://www.squirrel.co.nz/market-mispricing-mortgage-rates/' rel='bookmark' title='Permanent Link: How the Market is Mispricing Mortgage Rates'>How the Market is Mispricing Mortgage Rates</a></li>
<li><a href='http://www.squirrel.co.nz/asb-leads-increase-mortgage-rates/' rel='bookmark' title='Permanent Link: ASB Leads Increase in Mortgage Rates'>ASB Leads Increase in Mortgage Rates</a></li>
</ol>]]></description>
		<wfw:commentRss>http://www.squirrel.co.nz/mortgage-rates-3/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Auckland property prices &#8211; Some initial thoughts for 2013</title>
		<link>http://www.squirrel.co.nz/auckland-property-prices-initial-thoughts-2013/</link>
		<comments>http://www.squirrel.co.nz/auckland-property-prices-initial-thoughts-2013/#comments</comments>
		<pubDate>Mon, 28 Jan 2013 21:39:57 +0000</pubDate>
		<dc:creator>John</dc:creator>
				<category><![CDATA[Housing Market]]></category>
		<category><![CDATA[NZ Economy]]></category>

		<guid isPermaLink="false">http://staging.squirrel.co.nz/?p=3223</guid>
		<description><![CDATA[There’s only so much you can write on Property Investment and Mortgages before it feels like we are going over the same old territory.  Buy below market value, and focus on yield yada, yada, yada.  The rules don’t really change and fundamentally what has worked for successful investors in the past works for them now.  


Related posts:<ol><li><a href='http://www.squirrel.co.nz/property-prices-lies-statistics/' rel='bookmark' title='Permanent Link: Property Prices, Lies and Statistics'>Property Prices, Lies and Statistics</a></li>
<li><a href='http://www.squirrel.co.nz/nz-property-house-prices/' rel='bookmark' title='Permanent Link: NZ Property | Where to for House Prices?'>NZ Property | Where to for House Prices?</a></li>
<li><a href='http://www.squirrel.co.nz/thoughts-property-investing-2011/' rel='bookmark' title='Permanent Link: My Thoughts on Property Investing in 2011'>My Thoughts on Property Investing in 2011</a></li>
</ol>]]></description>
		<wfw:commentRss>http://www.squirrel.co.nz/auckland-property-prices-initial-thoughts-2013/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Wanna be a Developer?</title>
		<link>http://www.squirrel.co.nz/wanna-developer/</link>
		<comments>http://www.squirrel.co.nz/wanna-developer/#comments</comments>
		<pubDate>Sat, 08 Dec 2012 11:04:40 +0000</pubDate>
		<dc:creator>John</dc:creator>
				<category><![CDATA[Business Banking]]></category>
		<category><![CDATA[Housing Market]]></category>
		<category><![CDATA[Investment Property]]></category>

		<guid isPermaLink="false">http://staging.squirrel.co.nz/?p=3199</guid>
		<description><![CDATA[Pre GFC, Property Developers had mythical rock star type status.  The public face of the industry was full of massive egos, fast cars, illicit drugs, and self-absorbed “beautiful people.” Intelligence has never been a prerequisite to be a Property Developer.  During the last property boom, money flowed so easily out of dodgy finance companies you 


Related posts:<ol><li><a href='http://www.squirrel.co.nz/paying-too-much-for-your-non-bank-mortgage/' rel='bookmark' title='Permanent Link: Paying Too Much for Your Non-Bank Mortgage?'>Paying Too Much for Your Non-Bank Mortgage?</a></li>
<li><a href='http://www.squirrel.co.nz/scarcity-productivity/' rel='bookmark' title='Permanent Link: Scarcity and Productivity'>Scarcity and Productivity</a></li>
<li><a href='http://www.squirrel.co.nz/high-medium-density-living/' rel='bookmark' title='Permanent Link: Welcome back High and Medium Density Living'>Welcome back High and Medium Density Living</a></li>
</ol>]]></description>
		<wfw:commentRss>http://www.squirrel.co.nz/wanna-developer/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Auckland Price Ripple Effect</title>
		<link>http://www.squirrel.co.nz/auckland-price-ripple-effect/</link>
		<comments>http://www.squirrel.co.nz/auckland-price-ripple-effect/#comments</comments>
		<pubDate>Thu, 29 Nov 2012 18:19:55 +0000</pubDate>
		<dc:creator>John</dc:creator>
				<category><![CDATA[Featured]]></category>
		<category><![CDATA[First Home Buyers]]></category>
		<category><![CDATA[Housing Market]]></category>
		<category><![CDATA[NZ Economy]]></category>
		<category><![CDATA[Property Investment]]></category>

		<guid isPermaLink="false">http://staging.squirrel.co.nz/?p=3187</guid>
		<description><![CDATA[In a nutshell the Auckland market has become overheated.  It&#8217;s a function of low interest rates, poor quality rentals, under supply, and confidence.  A lack of supply is the fire, with the other conditions providing the fuel.  Unfortunately, the media attention and constant headlines has a tendency to whip the market up into a bit of a 


Related posts:<ol><li><a href='http://www.squirrel.co.nz/first-home-loan/' rel='bookmark' title='Permanent Link: When is a Good Time to Buy My First Home?'>When is a Good Time to Buy My First Home?</a></li>
<li><a href='http://www.squirrel.co.nz/nz-mortgage-rate-forecast-2010/' rel='bookmark' title='Permanent Link: NZ Mortgage Rate Forecast 2010'>NZ Mortgage Rate Forecast 2010</a></li>
<li><a href='http://www.squirrel.co.nz/auckland-central-housing-million-dollar-mindset/' rel='bookmark' title='Permanent Link: Auckland Central housing and the million dollar mindset'>Auckland Central housing and the million dollar mindset</a></li>
</ol>]]></description>
		<wfw:commentRss>http://www.squirrel.co.nz/auckland-price-ripple-effect/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>When it comes to buying property, be the &#8220;Frog&#8221;</title>
		<link>http://www.squirrel.co.nz/buying-property-frog/</link>
		<comments>http://www.squirrel.co.nz/buying-property-frog/#comments</comments>
		<pubDate>Mon, 19 Nov 2012 07:32:14 +0000</pubDate>
		<dc:creator>John</dc:creator>
				<category><![CDATA[Industry Insiders]]></category>
		<category><![CDATA[Musings]]></category>
		<category><![CDATA[Property Investment]]></category>

		<guid isPermaLink="false">http://staging.squirrel.co.nz/?p=3178</guid>
		<description><![CDATA[Put simply, be patient!  Right now I wont be the only investor struggling to find good property deals in Auckland.  Up until about 6 months ago it was easy and my problem was convincing the bank to give me more money!  There were still plenty of bargains to be had (and I&#8217;m not talking South 


Related posts:<ol><li><a href='http://www.squirrel.co.nz/the-case-for-buying-property-now/' rel='bookmark' title='Permanent Link: The Case for Buying Property Now'>The Case for Buying Property Now</a></li>
<li><a href='http://www.squirrel.co.nz/renting-buying-home/' rel='bookmark' title='Permanent Link: Renting Versus Buying First Home'>Renting Versus Buying First Home</a></li>
<li><a href='http://www.squirrel.co.nz/property-finders-invest-property-high-income-earner/' rel='bookmark' title='Permanent Link: Property Finders | How to Invest in Property if you are a High Income Earner'>Property Finders | How to Invest in Property if you are a High Income Earner</a></li>
</ol>]]></description>
		<wfw:commentRss>http://www.squirrel.co.nz/buying-property-frog/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Be Good to Money</title>
		<link>http://www.squirrel.co.nz/good-money/</link>
		<comments>http://www.squirrel.co.nz/good-money/#comments</comments>
		<pubDate>Sat, 20 Oct 2012 23:21:58 +0000</pubDate>
		<dc:creator>John</dc:creator>
				<category><![CDATA[Business Advice]]></category>
		<category><![CDATA[Musings]]></category>
		<category><![CDATA[Property Investment]]></category>

		<guid isPermaLink="false">http://staging.squirrel.co.nz/?p=3163</guid>
		<description><![CDATA[I’m not sure about BNZ’s latest marketing push.  They’ve lurched from cute pigs to some sort of odd S&#38;M with money.  I’m waiting for a hot banker to tell me I’ve been naughty and whip me!  Maybe they could use Debrah Lorenzana who was sacked by Citibank for supposedly being too attractive. However, I do 


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<li><a href='http://www.squirrel.co.nz/cash-flow-king-101/' rel='bookmark' title='Permanent Link: Cash Flow is King: 101'>Cash Flow is King: 101</a></li>
<li><a href='http://www.squirrel.co.nz/borrowing-rules-impact-property-investors/' rel='bookmark' title='Permanent Link: Tough Borrowing Rules Impact Property Investors'>Tough Borrowing Rules Impact Property Investors</a></li>
</ol>]]></description>
		<wfw:commentRss>http://www.squirrel.co.nz/good-money/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Spring Mortgage Rates Heat Up</title>
		<link>http://www.squirrel.co.nz/spring-mortgage-rates-heat/</link>
		<comments>http://www.squirrel.co.nz/spring-mortgage-rates-heat/#comments</comments>
		<pubDate>Sun, 23 Sep 2012 20:23:44 +0000</pubDate>
		<dc:creator>John</dc:creator>
				<category><![CDATA[Interest Rates]]></category>

		<guid isPermaLink="false">http://staging.squirrel.co.nz/?p=3159</guid>
		<description><![CDATA[Spring Clean your Mortgage If you have an existing mortgage the first thing you need to do right now is check what floating rate you are on.  You may have had a fixed rate mature during the year, or you may not have reviewed your mortgage for a long time.  Now is the time to 


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<li><a href='http://www.squirrel.co.nz/lowest-floating-mortgage-rates/' rel='bookmark' title='Permanent Link: Lowest-Ever Floating Mortgage Rates'>Lowest-Ever Floating Mortgage Rates</a></li>
<li><a href='http://www.squirrel.co.nz/april-ocr-unchanged/' rel='bookmark' title='Permanent Link: Mortgage Rates | OCR Unchanged at 2.50%'>Mortgage Rates | OCR Unchanged at 2.50%</a></li>
</ol>]]></description>
		<wfw:commentRss>http://www.squirrel.co.nz/spring-mortgage-rates-heat/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Welcome back High and Medium Density Living</title>
		<link>http://www.squirrel.co.nz/high-medium-density-living/</link>
		<comments>http://www.squirrel.co.nz/high-medium-density-living/#comments</comments>
		<pubDate>Sat, 22 Sep 2012 01:40:56 +0000</pubDate>
		<dc:creator>John</dc:creator>
				<category><![CDATA[First Home Buyers]]></category>
		<category><![CDATA[Investment Property]]></category>
		<category><![CDATA[Mortgages]]></category>

		<guid isPermaLink="false">http://staging.squirrel.co.nz/?p=3153</guid>
		<description><![CDATA[Apartment lending is back with some banks lending up to 95% on an owner-occupied freehold apartment.  This is an important step forward, especially for Auckland.  Now we just need some Developers back in the game building apartments and town houses


Related posts:<ol><li><a href='http://www.squirrel.co.nz/nz-buying-property-zealand/' rel='bookmark' title='Permanent Link: NZ Mortgages | Buying Property in New Zealand'>NZ Mortgages | Buying Property in New Zealand</a></li>
<li><a href='http://www.squirrel.co.nz/home-buyers-95-mortgages-high-income-earners/' rel='bookmark' title='Permanent Link: First Home Buyers | 95% Mortgages for High-Income Earners'>First Home Buyers | 95% Mortgages for High-Income Earners</a></li>
<li><a href='http://www.squirrel.co.nz/property-finders-invest-property-high-income-earner/' rel='bookmark' title='Permanent Link: Property Finders | How to Invest in Property if you are a High Income Earner'>Property Finders | How to Invest in Property if you are a High Income Earner</a></li>
</ol>]]></description>
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		<slash:comments>0</slash:comments>
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