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	<title>Swiggs&#039;s Corner &#187; mortgage</title>
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	<link>http://deonswiggs.com</link>
	<description>Healthy Homes for Healthy Kiwi&#039;s... Oh and of course Free Real Estate Advice</description>
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		<title>Reserve Bank of New Zealand Hold OCR a 3.0%</title>
		<link>http://deonswiggs.com/reserve-bank-of-new-zealand-hold-ocr-a-3-0/</link>
		<comments>http://deonswiggs.com/reserve-bank-of-new-zealand-hold-ocr-a-3-0/#comments</comments>
		<pubDate>Wed, 27 Oct 2010 20:48:01 +0000</pubDate>
		<dc:creator>swiggs</dc:creator>
				<category><![CDATA[The Market]]></category>
		<category><![CDATA[alan bollard]]></category>
		<category><![CDATA[buying]]></category>
		<category><![CDATA[economy]]></category>
		<category><![CDATA[lending]]></category>
		<category><![CDATA[market]]></category>
		<category><![CDATA[money]]></category>
		<category><![CDATA[mortgage]]></category>
		<category><![CDATA[new zealand]]></category>
		<category><![CDATA[ocr]]></category>
		<category><![CDATA[real estate]]></category>
		<category><![CDATA[reserve bank]]></category>
		<category><![CDATA[selling]]></category>

		<guid isPermaLink="false">http://deonswiggs.com/?p=1909</guid>
		<description><![CDATA[The Official Cash Rate has this morning been left on hold by the Reserve Bank at 3 per cent. Such a hold was widely expected, with market economists all but unanimous that Reserve Bank Governor Bollard will not raise the official cash rate again until March next year. The average expectation among 11 forecasters polled [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
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		<title>Loans and The Mortgage</title>
		<link>http://deonswiggs.com/loans-and-the-mortgage/</link>
		<comments>http://deonswiggs.com/loans-and-the-mortgage/#comments</comments>
		<pubDate>Wed, 21 Apr 2010 09:13:29 +0000</pubDate>
		<dc:creator>swiggs</dc:creator>
				<category><![CDATA[Buyers]]></category>
		<category><![CDATA[Uncategorized]]></category>
		<category><![CDATA[land]]></category>
		<category><![CDATA[buying]]></category>
		<category><![CDATA[developing]]></category>
		<category><![CDATA[lending]]></category>
		<category><![CDATA[money]]></category>
		<category><![CDATA[mortgage]]></category>
		<category><![CDATA[real estate agents]]></category>
		<category><![CDATA[westpac]]></category>

		<guid isPermaLink="false">http://deonswiggs.com/?p=857</guid>
		<description><![CDATA[Hi all, sorry about the lack of posting on here lately. There has been alot going on. In through this is the creation of a new website which will be launched next month if all goes well which i am hoping will allow all people involved with Real Estate be involved and tell there story. [...]]]></description>
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		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>New Zealanders Are Struggling To Hold Onto Their Investment Properties.</title>
		<link>http://deonswiggs.com/new-zealanders-are-struggling-to-hold-onto-their-investment-properties/</link>
		<comments>http://deonswiggs.com/new-zealanders-are-struggling-to-hold-onto-their-investment-properties/#comments</comments>
		<pubDate>Sun, 26 Jul 2009 04:45:13 +0000</pubDate>
		<dc:creator>swiggs</dc:creator>
				<category><![CDATA[Sellers]]></category>
		<category><![CDATA[The Market]]></category>
		<category><![CDATA[investments]]></category>
		<category><![CDATA[mortgage]]></category>
		<category><![CDATA[mortgagee]]></category>
		<category><![CDATA[new zealand]]></category>
		<category><![CDATA[property]]></category>

		<guid isPermaLink="false">http://deonswiggs.com/?p=529</guid>
		<description><![CDATA[&#8216;Buy a few investment properties. The rent will pay the mortgage, then later you can enjoy the capital gain&#8217;. Well &#8211; it seemed a good idea at the time. But the current recession is bringing things home to roost for many who speculated on property in the years leading up to 2007. Unprecedented numbers of [...]]]></description>
		<wfw:commentRss>http://deonswiggs.com/new-zealanders-are-struggling-to-hold-onto-their-investment-properties/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>Home Hints &#8211; Getting That Loan</title>
		<link>http://deonswiggs.com/home-hints-getting-that-loan/</link>
		<comments>http://deonswiggs.com/home-hints-getting-that-loan/#comments</comments>
		<pubDate>Sun, 24 May 2009 04:50:23 +0000</pubDate>
		<dc:creator>swiggs</dc:creator>
				<category><![CDATA[Home Sellers and Buyers Guides]]></category>
		<category><![CDATA[Home Hints]]></category>
		<category><![CDATA[loans]]></category>
		<category><![CDATA[mortgage]]></category>
		<category><![CDATA[repayments]]></category>

		<guid isPermaLink="false">http://voices.realestate.co.nz/christchurch/?p=344</guid>
		<description><![CDATA[Buying a home is a big financial commitment and is going to impact your life for a good part of your adult life. And usually we don&#8217;t have enough money to go out and buy a home. So we need to finance this. What&#8217;s this? It&#8217;s a loan. When you buy a home you usually [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Mortgage Applications Rise Upwards</title>
		<link>http://deonswiggs.com/mortgage-applications-rise-upwards/</link>
		<comments>http://deonswiggs.com/mortgage-applications-rise-upwards/#comments</comments>
		<pubDate>Tue, 07 Apr 2009 01:07:33 +0000</pubDate>
		<dc:creator>swiggs</dc:creator>
				<category><![CDATA[Buyers]]></category>
		<category><![CDATA[The Market]]></category>
		<category><![CDATA[baby boomers]]></category>
		<category><![CDATA[generation x]]></category>
		<category><![CDATA[generation y]]></category>
		<category><![CDATA[generations]]></category>
		<category><![CDATA[mortgage]]></category>
		<category><![CDATA[Rental Properties]]></category>
		<category><![CDATA[retirement]]></category>

		<guid isPermaLink="false">http://voices.realestate.co.nz/christchurch/?p=300</guid>
		<description><![CDATA[Here is an interesting article from the Herald Website: Baby boomers are returning to the housing market in droves &#8211; but younger first home buyers are still doing it tough. Mortgage applications last month were up 38 per cent compared to the same month last year, and were the highest monthly total since November 2007. [...]]]></description>
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		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>WHAT THE BANKS DONT TELL YOU</title>
		<link>http://deonswiggs.com/what-the-banks-dont-tell-you/</link>
		<comments>http://deonswiggs.com/what-the-banks-dont-tell-you/#comments</comments>
		<pubDate>Sat, 21 Feb 2009 10:34:48 +0000</pubDate>
		<dc:creator>swiggs</dc:creator>
				<category><![CDATA[Uncategorized]]></category>
		<category><![CDATA[advice]]></category>
		<category><![CDATA[Banks]]></category>
		<category><![CDATA[budgeting]]></category>
		<category><![CDATA[credit cards]]></category>
		<category><![CDATA[credit crunch]]></category>
		<category><![CDATA[debt]]></category>
		<category><![CDATA[e-course]]></category>
		<category><![CDATA[help]]></category>
		<category><![CDATA[loans]]></category>
		<category><![CDATA[mortgage]]></category>
		<category><![CDATA[property]]></category>
		<category><![CDATA[repayments]]></category>

		<guid isPermaLink="false">http://voices.realestate.co.nz/christchurch/?p=265</guid>
		<description><![CDATA[PRINT THIS OUT AND KEEP! I have had too many people emailing me over the past few weeks asking about budgeting and there seems to be hundreds of people searching on how to budget and how to save money etc. There seems to be a trend and people want to know how to deal with [...]]]></description>
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		<slash:comments>8</slash:comments>
		</item>
		<item>
		<title>The First Home Buyers Market in New Zealand Gets Tougher</title>
		<link>http://deonswiggs.com/the-first-home-buyers-market-in-new-zealand-gets-tougher/</link>
		<comments>http://deonswiggs.com/the-first-home-buyers-market-in-new-zealand-gets-tougher/#comments</comments>
		<pubDate>Wed, 26 Nov 2008 21:50:16 +0000</pubDate>
		<dc:creator>swiggs</dc:creator>
				<category><![CDATA[Buyers]]></category>
		<category><![CDATA[The Market]]></category>
		<category><![CDATA[credit crunch]]></category>
		<category><![CDATA[finance]]></category>
		<category><![CDATA[first home buyers]]></category>
		<category><![CDATA[market]]></category>
		<category><![CDATA[mortgage]]></category>

		<guid isPermaLink="false">http://voices.realestate.co.nz/christchurch/?p=152</guid>
		<description><![CDATA[Yesterday the ANZ National Bank announced property loans will now have to have a 20% deposit.  Now this closes up the banks and means that lending in throughout New Zealand is tightening up and buying is becoming a lot more difficult. The 20% deposit in many cases will now need to be savings which means [...]]]></description>
		<wfw:commentRss>http://deonswiggs.com/the-first-home-buyers-market-in-new-zealand-gets-tougher/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>BNZ goes below 7 per cent mortgage barrier</title>
		<link>http://deonswiggs.com/bnz-goes-below-7-per-cent-mortgage-barrier/</link>
		<comments>http://deonswiggs.com/bnz-goes-below-7-per-cent-mortgage-barrier/#comments</comments>
		<pubDate>Mon, 24 Nov 2008 02:47:16 +0000</pubDate>
		<dc:creator>swiggs</dc:creator>
				<category><![CDATA[Buyers]]></category>
		<category><![CDATA[Sellers]]></category>
		<category><![CDATA[The Market]]></category>
		<category><![CDATA[buying]]></category>
		<category><![CDATA[Change]]></category>
		<category><![CDATA[first home buyers]]></category>
		<category><![CDATA[housing market]]></category>
		<category><![CDATA[interest rates]]></category>
		<category><![CDATA[mortgage]]></category>
		<category><![CDATA[news]]></category>

		<guid isPermaLink="false">http://voices.realestate.co.nz/new-plymouth/?p=296</guid>
		<description><![CDATA[BNZ is throwing down the gauntlet to other banks in slashing its lowest mortgage rate today to below 7 per cent. The &#8216;mortgage rates war&#8217; was a key battleground four years ago when BNZ and ASB went at it hammer andtongs in the spring of 2004. That tussle over 2 year fixed rates gave the [...]]]></description>
		<wfw:commentRss>http://deonswiggs.com/bnz-goes-below-7-per-cent-mortgage-barrier/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>What is a Mortgage and How do I Choose The Best One For Me</title>
		<link>http://deonswiggs.com/what-is-a-mortgage-and-how-do-i-choose-the-best-one-for-me/</link>
		<comments>http://deonswiggs.com/what-is-a-mortgage-and-how-do-i-choose-the-best-one-for-me/#comments</comments>
		<pubDate>Mon, 03 Nov 2008 03:20:25 +0000</pubDate>
		<dc:creator>swiggs</dc:creator>
				<category><![CDATA[Uncategorized]]></category>
		<category><![CDATA[deposits]]></category>
		<category><![CDATA[market]]></category>
		<category><![CDATA[mortgage]]></category>
		<category><![CDATA[mortgage brokers]]></category>
		<category><![CDATA[saving money]]></category>

		<guid isPermaLink="false">http://voices.realestate.co.nz/new-plymouth/?p=229</guid>
		<description><![CDATA[A mortgage is a lien on a property/house that secures a loan and is paid in instalments over a set period of time. The mortgage secures your promise that you&#8217;ll repay the money you&#8217;ve borrowed to buy your home. Mortgages come in many different shapes and sizes, each with its own advantages and disadvantages. Make [...]]]></description>
		<wfw:commentRss>http://deonswiggs.com/what-is-a-mortgage-and-how-do-i-choose-the-best-one-for-me/feed/</wfw:commentRss>
		<slash:comments>3</slash:comments>
		</item>
		<item>
		<title>How Much is it costing to have your mortage?</title>
		<link>http://deonswiggs.com/how-much-is-it-csting-to-have-your-mortage/</link>
		<comments>http://deonswiggs.com/how-much-is-it-csting-to-have-your-mortage/#comments</comments>
		<pubDate>Tue, 22 Apr 2008 00:15:47 +0000</pubDate>
		<dc:creator>swiggs</dc:creator>
				<category><![CDATA[The Market]]></category>
		<category><![CDATA[costs]]></category>
		<category><![CDATA[interest rates]]></category>
		<category><![CDATA[money]]></category>
		<category><![CDATA[mortgage]]></category>

		<guid isPermaLink="false">http://voices.realestate.co.nz/new-plymouth/2008/04/22/how-much-is-it-csting-to-have-your-mortage/</guid>
		<description><![CDATA[I was today looking through articles online on The Heralds Website. This article hit me in the face. Its sad to see this. But its a fact of where we are at the moment in the market. $375k house &#8211; costs $900 a week Soaring interest rates will see Kiwis fork out almost a billion [...]]]></description>
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		<slash:comments>0</slash:comments>
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