Author: Serena Caldwell

12 Feb

How to Talk to an Estate Agent: A Straightforward Guide for First-Time Buyers in New Zealand

Posted by Serena Caldwell

02/12/2026

0 Comments

Learn how to talk to an estate agent in New Zealand with confidence. This guide gives first-time buyers clear steps to ask the right questions, spot red flags, and find an agent who truly works for you.

9 Feb

How Much House Can I Afford If I Make $36,000 a Year?

Posted by Serena Caldwell

02/ 9/2026

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If you earn $36,000 a year in New Zealand, buying a home is possible-but only with smart planning, government help, and realistic expectations. Find out what you can afford in Auckland and beyond.

8 Feb

How Do Owners Get Paid in Shared Ownership Homes?

Posted by Serena Caldwell

02/ 8/2026

0 Comments

In shared ownership homes, owners pay rent on the portion they don't own and gradually buy more shares over time. Housing associations earn income through rent and staircasing payments, not profit. This system helps people become homeowners without full upfront costs.

5 Feb

How to Negotiate a No-Pet Policy for Your Rental in New Zealand

Posted by Serena Caldwell

02/ 5/2026

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Learn practical steps to negotiate pet permissions in New Zealand rentals. Discover legal rights, how to approach landlords, and real examples from Auckland. Get the facts to secure a pet-friendly home without breaking the rules.

2 Feb

What Is the Definition of Share of Ownership in Shared Ownership Homes?

Posted by Serena Caldwell

02/ 2/2026

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Share of ownership lets you buy a percentage of a home while paying rent on the rest. It’s a realistic path to homeownership for first-time buyers in high-cost markets like Auckland.

1 Feb

Are Shared Equity Agreements a Good Idea for First-Time Buyers in 2026?

Posted by Serena Caldwell

02/ 1/2026

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Shared equity agreements help first-time buyers get into the market, but they come with hidden rent costs, fees, and limited control. Is it a stepping stone-or a financial trap?

29 Jan

Does Virginia Have a Down Payment Assistance Program for First-Time Buyers?

Posted by Serena Caldwell

01/29/2026

0 Comments

Virginia offers multiple down payment assistance programs for first-time buyers, including grants up to $25,000 and low-interest mortgages. Learn how to qualify, apply, and avoid common mistakes.

26 Jan

Is It Rude to Ask If You Can Bring Your Dog to Someone's House?

Posted by Serena Caldwell

01/26/2026

0 Comments

Asking to bring your dog to someone's house isn't rude-it's respectful when done early and thoughtfully. Learn how to ask properly, what hosts really care about, and how to be the pet owner everyone wants to invite.

25 Jan

What is the NC Guarantee Grant Program for First-Time Home Buyers?

Posted by Serena Caldwell

01/25/2026

0 Comments

The NC Guarantee Grant helps first-time home buyers in North Carolina cover down payments and closing costs with money that doesn't need to be repaid. Up to 5% of the purchase price is available, with income limits and home price caps applying.

22 Jan

Can a Married Man Buy a House Without His Wife? What You Need to Know

Posted by Serena Caldwell

01/22/2026

0 Comments

A married man can buy a house without his wife, but legal rights depend on state laws, how money is used, and whether the property is kept separate. Know the risks before you sign.

19 Jan

How Much Do Co-Owners Make? Real Income from Shared Ownership Homes

Posted by Serena Caldwell

01/19/2026

0 Comments

Co-owners don't just split the mortgage-they split the profits. Learn how much co-owners actually make from shared ownership homes in New Zealand, based on equity, market growth, and real-life examples.

18 Jan

What Qualifies a House to Be FHA Approved for First-Time Buyers

Posted by Serena Caldwell

01/18/2026

0 Comments

FHA-approved homes must meet strict safety and structural standards. First-time buyers need to know what makes a house eligible for an FHA loan-and what can cause a denial.

Author: Serena Caldwell

How to Talk to an Estate Agent: A Straightforward Guide for First-Time Buyers in New Zealand

How Much House Can I Afford If I Make $36,000 a Year?

How Do Owners Get Paid in Shared Ownership Homes?

How to Negotiate a No-Pet Policy for Your Rental in New Zealand

What Is the Definition of Share of Ownership in Shared Ownership Homes?

Are Shared Equity Agreements a Good Idea for First-Time Buyers in 2026?

Does Virginia Have a Down Payment Assistance Program for First-Time Buyers?

Is It Rude to Ask If You Can Bring Your Dog to Someone's House?

What is the NC Guarantee Grant Program for First-Time Home Buyers?

Can a Married Man Buy a House Without His Wife? What You Need to Know

How Much Do Co-Owners Make? Real Income from Shared Ownership Homes

What Qualifies a House to Be FHA Approved for First-Time Buyers

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