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	<title>Squirrel &#187; First Home Buyers</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/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/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>
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		<title>First Home &#124; Kiwi Saver Deposit Subsidy</title>
		<link>http://www.squirrel.co.nz/home-kiwi-saver-deposit-subsidy/</link>
		<comments>http://www.squirrel.co.nz/home-kiwi-saver-deposit-subsidy/#comments</comments>
		<pubDate>Thu, 17 Jun 2010 09:13:17 +0000</pubDate>
		<dc:creator>John</dc:creator>
				<category><![CDATA[First Home Buyers]]></category>
		<category><![CDATA[Property Buying Tips]]></category>
		<category><![CDATA[Deposit Grant]]></category>
		<category><![CDATA[Deposit Subsidy]]></category>
		<category><![CDATA[First Home]]></category>
		<category><![CDATA[First Mortgage]]></category>
		<category><![CDATA[Kiwi Saver]]></category>

		<guid isPermaLink="false">http://www.squirrel.co.nz/?p=2335</guid>
		<description><![CDATA[If you have been in Kiwi Saver for 3 years you can get a $3,000 grant towards your first home and also withdraw your Kiwi Saver contributions and put that towards your deposit


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/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>
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		<title>Credit Crisis &#124; How the Housing-Life Cycle is Broken</title>
		<link>http://www.squirrel.co.nz/housing-life-cycle-broken/</link>
		<comments>http://www.squirrel.co.nz/housing-life-cycle-broken/#comments</comments>
		<pubDate>Sun, 13 Jun 2010 10:08:14 +0000</pubDate>
		<dc:creator>John</dc:creator>
				<category><![CDATA[First Home Buyers]]></category>
		<category><![CDATA[NZ Economy]]></category>
		<category><![CDATA[Property Investment]]></category>
		<category><![CDATA[Baby Boomers]]></category>
		<category><![CDATA[Investment Property]]></category>

		<guid isPermaLink="false">http://www.squirrel.co.nz/?p=2325</guid>
		<description><![CDATA[This post follows two couples to understand the issues facing Baby Boomers and First Home Buyers


Related posts:<ol><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/revolving-credit/' rel='bookmark' title='Permanent Link: How to use a Revolving Credit'>How to use a Revolving Credit</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>
</ol>]]></description>
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		<title>Renting Versus Buying First Home</title>
		<link>http://www.squirrel.co.nz/renting-buying-home/</link>
		<comments>http://www.squirrel.co.nz/renting-buying-home/#comments</comments>
		<pubDate>Sun, 21 Mar 2010 09:21:03 +0000</pubDate>
		<dc:creator>John</dc:creator>
				<category><![CDATA[First Home Buyers]]></category>
		<category><![CDATA[Housing Market]]></category>
		<category><![CDATA[Mortgages]]></category>
		<category><![CDATA[First Home]]></category>
		<category><![CDATA[First Mortgage]]></category>
		<category><![CDATA[House prices]]></category>
		<category><![CDATA[Inflation]]></category>
		<category><![CDATA[Mortgage Advice]]></category>
		<category><![CDATA[Property Prices]]></category>

		<guid isPermaLink="false">http://www.squirrel.co.nz/?p=2239</guid>
		<description><![CDATA[Buying your first home will almost always make better sense than renting.  That is unless you live with 5 other flatties, eat bake beans, and have a communal shower.  That is hard economics to beat under any scenario!


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/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>
</ol>]]></description>
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		<title>First Home Buyers &#124; Low Equity Fee Comparison</title>
		<link>http://www.squirrel.co.nz/first-home-buyers-low-equity-fee/</link>
		<comments>http://www.squirrel.co.nz/first-home-buyers-low-equity-fee/#comments</comments>
		<pubDate>Sat, 27 Feb 2010 08:46:50 +0000</pubDate>
		<dc:creator>John</dc:creator>
				<category><![CDATA[First Home Buyers]]></category>
		<category><![CDATA[Mortgages]]></category>
		<category><![CDATA[First Mortgage]]></category>
		<category><![CDATA[First Time Home Buyers]]></category>
		<category><![CDATA[Kiwi Bank]]></category>
		<category><![CDATA[Low Equity Fees]]></category>
		<category><![CDATA[Low Equity Margin]]></category>
		<category><![CDATA[Low Equity Premium]]></category>
		<category><![CDATA[Mortgage Lenders Insurance]]></category>

		<guid isPermaLink="false">http://www.squirrel.co.nz/?p=2203</guid>
		<description><![CDATA[Most first home buyers do not know that Kiwi Bank and BNZ are the most expensive lenders if you are borrowing over 80%. Neither Kiwi Bank or BNZ disclose their low equity fees on their web sites.  On the positive side they are still both lending up to 95%. If you are borrowing over 80% 


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<li><a href='http://www.squirrel.co.nz/95-mortgages-revisited/' rel='bookmark' title='Permanent Link: 95% Mortgages Revisited'>95% Mortgages Revisited</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>
</ol>]]></description>
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