Becoming a homeowner is a rite of passage for most Kiwi’s. Though widely accepted as one of the most secure (and intelligent) forms of investments,

Circulus is partnered with a number of trusted advisors however the following excerpt is from the Financial Markets Authority of New Zealand – All advisers

1. Establish client and advisor relationship In this initial step your advisor will clearly outline the services they will provide and explain both their responsibilities

Your home is a lifestyle asset not a retirement plan Over the decades owning a home has proven to be a great way of forced

Typically, when we look at those that have broken free from the poverty cycle there are 4 basic steps that they have taken to get

It is a rather sobering fact that when we look at the population at the age of 65, we find that we can divide these

Any good achievement starts with the realisation that you can do it. What brings us to that realisation can be any number of factors but