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	<title>Squirrel &#187; Credit Crisis</title>
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	<description>The Mortgage Experts</description>
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		<title>First Home Buyers &#124; A New Mindset</title>
		<link>http://www.squirrel.co.nz/home-buyers-mindset/</link>
		<comments>http://www.squirrel.co.nz/home-buyers-mindset/#comments</comments>
		<pubDate>Fri, 06 Aug 2010 11:04:30 +0000</pubDate>
		<dc:creator>John</dc:creator>
				<category><![CDATA[First Home Buyers]]></category>
		<category><![CDATA[10% House Deposit]]></category>
		<category><![CDATA[Credit Crisis]]></category>
		<category><![CDATA[First Home]]></category>
		<category><![CDATA[First Mortgage]]></category>
		<category><![CDATA[Mortgage Advice]]></category>

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		<description><![CDATA[I’ve been talking with a large number of first home buyers these past few months.  Earlier today I was reflecting on what has changed since the “credit crisis.”  Here are my thoughts


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/first-home-buyers-low-equity-fee/' rel='bookmark' title='Permanent Link: First Home Buyers | Low Equity Fee Comparison'>First Home Buyers | Low Equity Fee Comparison</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>
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		<title>Tough Borrowing Rules Impact Property Investors</title>
		<link>http://www.squirrel.co.nz/borrowing-rules-impact-property-investors/</link>
		<comments>http://www.squirrel.co.nz/borrowing-rules-impact-property-investors/#comments</comments>
		<pubDate>Thu, 12 Nov 2009 23:09:32 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Business Advice]]></category>
		<category><![CDATA[Investment Property]]></category>
		<category><![CDATA[Credit Crisis]]></category>
		<category><![CDATA[LAQC]]></category>
		<category><![CDATA[Property Investment]]></category>
		<category><![CDATA[Property Investors]]></category>

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		<description><![CDATA[Because investors now face tight borrowing constraints, they need to critically re-evaluate every property in their portfolios. Yield has become more important


Related posts:<ol><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/banks-credit-rules/' rel='bookmark' title='Permanent Link: Banks are Easing Credit Rules'>Banks are Easing Credit Rules</a></li>
<li><a href='http://www.squirrel.co.nz/investor-guide-bank-dating/' rel='bookmark' title='Permanent Link: An Investor Guide to Bank Dating'>An Investor Guide to Bank Dating</a></li>
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		<title>Have you seen a Bank Troll Lately?</title>
		<link>http://www.squirrel.co.nz/have-you-seen-a-bank-troll-lately/</link>
		<comments>http://www.squirrel.co.nz/have-you-seen-a-bank-troll-lately/#comments</comments>
		<pubDate>Sun, 07 Dec 2008 10:02:45 +0000</pubDate>
		<dc:creator>John</dc:creator>
				<category><![CDATA[Mortgages]]></category>
		<category><![CDATA[NZ Economy]]></category>
		<category><![CDATA[100% Mortgages]]></category>
		<category><![CDATA[Credit Crisis]]></category>
		<category><![CDATA[Credit Decisions]]></category>

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		<description><![CDATA[Credit and lending decisions are increasingly being made by "Head Office."  This can have unwanted outcomes that you need to be wary of.  More than ever it is important to plan your mortgages and split your relationship across multiple banks


Related posts:<ol><li><a href='http://www.squirrel.co.nz/bank-home-loan-profits-up-90/' rel='bookmark' title='Permanent Link: Bank Home Loan Profits Up 90%'>Bank Home Loan Profits Up 90%</a></li>
<li><a href='http://www.squirrel.co.nz/how-good-is-your-bank-on-mortgage-advice/' rel='bookmark' title='Permanent Link: How Good is Your Bank on Mortgage Advice?'>How Good is Your Bank on Mortgage Advice?</a></li>
<li><a href='http://www.squirrel.co.nz/first-home-buyers-low-equity-fee/' rel='bookmark' title='Permanent Link: First Home Buyers | Low Equity Fee Comparison'>First Home Buyers | Low Equity Fee Comparison</a></li>
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		<title>Bank Home Loan Profits Up 90%</title>
		<link>http://www.squirrel.co.nz/bank-home-loan-profits-up-90/</link>
		<comments>http://www.squirrel.co.nz/bank-home-loan-profits-up-90/#comments</comments>
		<pubDate>Mon, 22 Sep 2008 01:12:44 +0000</pubDate>
		<dc:creator>John</dc:creator>
				<category><![CDATA[NZ Economy]]></category>
		<category><![CDATA[Banks]]></category>
		<category><![CDATA[Credit Crisis]]></category>

		<guid isPermaLink="false">http://www.mysquirrel.co.nz/?p=88</guid>
		<description><![CDATA[What the credit crisis means to banks Put simply, banks have significantly increased their housing revenue through margin expansion.  They have moved away from aggressive competition to taking margin.  Even Kiwibank is not immune.  Banks are safe &#8230; and profitable &#8230; end of story. My back-of-envelope calculations put industry home loan profits at around $1.4 


Related posts:<ol><li><a href='http://www.squirrel.co.nz/has-the-mattress-become-a-viable-investment-strategy/' rel='bookmark' title='Permanent Link: Has the Mattress Become a Viable Investment Strategy?'>Has the Mattress Become a Viable Investment Strategy?</a></li>
<li><a href='http://www.squirrel.co.nz/have-you-seen-a-bank-troll-lately/' rel='bookmark' title='Permanent Link: Have you seen a Bank Troll Lately?'>Have you seen a Bank Troll Lately?</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>
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