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Ep 242: What Is The CCCFA & Why Is It Stopping You From Getting A Mortgage?
Manage episode 318349671 series 3114036
New legislation has recently come into force, that is having a huge impact on first home buyers, and existing property owners.
The Credit Contracts and Consumer Finance Act, or CCCFA for short, isn't a new concept, but the changes are.
The biggest change is that lenders now need to assess your income, and spending habits, to decide if you can fund your mortgage, both now, as well as in the future.
CHAPTERS:
01:29 What is the purpose of the new CCCFA changes?
02:33 What does the CCCFA have to do with payday loans?
03:54 How does the CCCFA changes impact first home buyer?
04:14 What should you do before getting a mortgage in 2022?
10:08 How does the CCCFA changes impact rental property owners with an existing mortgage?
14:04 Conclusion
►BOOK A FREE CONSULTATION HERE: https://calendly.com/ryanjmelton/free-consultation
RESOURCES & LINKS:
____________________________________________
►Register to learn from leading experts in KiwiSaver, budgeting, investing and real estate: https://moneyskills.co.nz/
►Subscribe to the NZ Guide To Financial Freedom Podcast: https://link.chtbl.com/2qrW8KRB
►Subscribe to the Accounting For The Podcast: https://link.chtbl.com/1zwvrt6i
►Get a free copy of my book 'The Dirty Secrets Of The Financial Elite' & Subscribe to my Newsletter: https://govt.us3.list-manage.com/subscribe?u=030f8337ffda9c52e663e6d74&id=73c3b2ede0
____________________________________________
FIND ME:
►Book A Free Consultation: https://calendly.com/ryanjmelton/free-consultation
► If you want to learn how to fund your income in retirement check out our company OnePlan For Retirement @ https://oneplan.co.nz/
►Find me on Tik Tok: https://www.tiktok.com/@ryanjmelton
►On Linkedin: https://www.linkedin.com/in/nzpodcast/
►On Instagram: https://www.instagram.com/ryanjmelton/
402 つのエピソード
Manage episode 318349671 series 3114036
New legislation has recently come into force, that is having a huge impact on first home buyers, and existing property owners.
The Credit Contracts and Consumer Finance Act, or CCCFA for short, isn't a new concept, but the changes are.
The biggest change is that lenders now need to assess your income, and spending habits, to decide if you can fund your mortgage, both now, as well as in the future.
CHAPTERS:
01:29 What is the purpose of the new CCCFA changes?
02:33 What does the CCCFA have to do with payday loans?
03:54 How does the CCCFA changes impact first home buyer?
04:14 What should you do before getting a mortgage in 2022?
10:08 How does the CCCFA changes impact rental property owners with an existing mortgage?
14:04 Conclusion
►BOOK A FREE CONSULTATION HERE: https://calendly.com/ryanjmelton/free-consultation
RESOURCES & LINKS:
____________________________________________
►Register to learn from leading experts in KiwiSaver, budgeting, investing and real estate: https://moneyskills.co.nz/
►Subscribe to the NZ Guide To Financial Freedom Podcast: https://link.chtbl.com/2qrW8KRB
►Subscribe to the Accounting For The Podcast: https://link.chtbl.com/1zwvrt6i
►Get a free copy of my book 'The Dirty Secrets Of The Financial Elite' & Subscribe to my Newsletter: https://govt.us3.list-manage.com/subscribe?u=030f8337ffda9c52e663e6d74&id=73c3b2ede0
____________________________________________
FIND ME:
►Book A Free Consultation: https://calendly.com/ryanjmelton/free-consultation
► If you want to learn how to fund your income in retirement check out our company OnePlan For Retirement @ https://oneplan.co.nz/
►Find me on Tik Tok: https://www.tiktok.com/@ryanjmelton
►On Linkedin: https://www.linkedin.com/in/nzpodcast/
►On Instagram: https://www.instagram.com/ryanjmelton/
402 つのエピソード
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