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	<title>Squirrel</title>
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	<description>The Mortgage Experts</description>
	<lastBuildDate>Sun, 15 Apr 2012 09:53:20 +0000</lastBuildDate>
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		<title>Scarcity and Productivity</title>
		<link>http://www.squirrel.co.nz/scarcity-productivity/</link>
		<comments>http://www.squirrel.co.nz/scarcity-productivity/#comments</comments>
		<pubDate>Sun, 15 Apr 2012 09:50:57 +0000</pubDate>
		<dc:creator>John</dc:creator>
				<category><![CDATA[Featured]]></category>
		<category><![CDATA[Investment Property]]></category>

		<guid isPermaLink="false">http://www.squirrel.co.nz/?p=3116</guid>
		<description><![CDATA[It has been mildly interesting having a skim through the productivity commission report and various commentaries.  The issues have been obvious for the past 10 years and the fact we need a 260-page report from a productivity commission to tell us what we already know is ironic. A property’s value will be a function of 


Related posts:<ol><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>
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		<title>FHM &#124; Himikera Finished!</title>
		<link>http://www.squirrel.co.nz/fhm-himikera-finished/</link>
		<comments>http://www.squirrel.co.nz/fhm-himikera-finished/#comments</comments>
		<pubDate>Wed, 28 Mar 2012 08:05:21 +0000</pubDate>
		<dc:creator>John</dc:creator>
				<category><![CDATA[First Home Buyers]]></category>
		<category><![CDATA[Property Projects]]></category>
		<category><![CDATA[Where to Buy]]></category>

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		<description><![CDATA[Cool.  We&#8217;ve finally finished the renovation at Himikera. Took us a bit longer than expected but extremely happy with the result.  It is now on the market for sale and some lucky punter is going to get a mint new home.  If you&#8217;re interested in doing a First Home Makeover this is an example of 


Related posts:<ol><li><a href='http://www.squirrel.co.nz/housing-life-cycle-broken/' rel='bookmark' title='Permanent Link: Credit Crisis | How the Housing Life Cycle is Broken'>Credit Crisis | How the Housing Life Cycle is Broken</a></li>
<li><a href='http://www.squirrel.co.nz/introducing-first-home-makeovers/' rel='bookmark' title='Permanent Link: Introducing First Home Makeovers'>Introducing First Home Makeovers</a></li>
<li><a href='http://www.squirrel.co.nz/finished-makeover/' rel='bookmark' title='Permanent Link: We&#8217;ve finished our first Makeover'>We&#8217;ve finished our first Makeover</a></li>
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		<title>Lessons on Subdividing and Relocatable Houses</title>
		<link>http://www.squirrel.co.nz/lessons-subdividing-relocatable-houses/</link>
		<comments>http://www.squirrel.co.nz/lessons-subdividing-relocatable-houses/#comments</comments>
		<pubDate>Fri, 23 Mar 2012 03:51:49 +0000</pubDate>
		<dc:creator>John</dc:creator>
				<category><![CDATA[Property Investment]]></category>
		<category><![CDATA[Property Projects]]></category>

		<guid isPermaLink="false">http://www.squirrel.co.nz/?p=3076</guid>
		<description><![CDATA[We are in the process of subdividing one of our properties in Mt Albert.  Here are my lessons for any avid investors keen to take the next step


Related posts:<ol><li><a href='http://www.squirrel.co.nz/latest-makeover-onehunga/' rel='bookmark' title='Permanent Link: Our Latest Makeover'>Our Latest Makeover</a></li>
<li><a href='http://www.squirrel.co.nz/risk-houses-built-1945/' rel='bookmark' title='Permanent Link: Risk with houses built before 1945'>Risk with houses built before 1945</a></li>
<li><a href='http://www.squirrel.co.nz/fhm-himikera-finished/' rel='bookmark' title='Permanent Link: FHM | Himikera Finished!'>FHM | Himikera Finished!</a></li>
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		<title>Mortgage No.8 Wire &#124; Code of Compliance Issues</title>
		<link>http://www.squirrel.co.nz/mortgage-no8-wire-code-compliance-issues/</link>
		<comments>http://www.squirrel.co.nz/mortgage-no8-wire-code-compliance-issues/#comments</comments>
		<pubDate>Sun, 18 Mar 2012 09:25:15 +0000</pubDate>
		<dc:creator>John</dc:creator>
				<category><![CDATA[House Insurance]]></category>
		<category><![CDATA[Property Investment]]></category>

		<guid isPermaLink="false">http://www.squirrel.co.nz/?p=3070</guid>
		<description><![CDATA[One of the big changes in the post GFC world is a greater focus on the quality of the mortgage security. Even with a reported shortage of houses for sale in Auckland, crap properties still don’t sell or sell at a big discount.  There are some mega-ugly properties around, or is it just me? The 


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</ol>]]></description>
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		<title>Mortgage Rates &#124; The low down on what&#8217;s up</title>
		<link>http://www.squirrel.co.nz/mortgage-rates/</link>
		<comments>http://www.squirrel.co.nz/mortgage-rates/#comments</comments>
		<pubDate>Mon, 05 Mar 2012 08:43:15 +0000</pubDate>
		<dc:creator>John</dc:creator>
				<category><![CDATA[Featured]]></category>
		<category><![CDATA[Interest Rates]]></category>

		<guid isPermaLink="false">http://www.squirrel.co.nz/?p=3059</guid>
		<description><![CDATA[For years now I&#8217;ve ranted and raved about mortgage rates.  One of the reoccurring themes is that mortgage rates are strongly influenced by household behavior &#8211; &#8220;fear.&#8221;  This is most evident when households believe that rates are about to rise and so rush out and fix.  We saw this in 2009 and we are likely 


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<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>
<li><a href='http://www.squirrel.co.nz/rates-on-the-increase/' rel='bookmark' title='Permanent Link: Mortgage Rates | Rates on the Increase'>Mortgage Rates | Rates on the Increase</a></li>
</ol>]]></description>
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