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Grant Henderson, Bayleys regional general manager in Wellington, said his team had been involved in four mortgagee sales this year already.
Henderson said there could be an upswing in listings in spring as people moved ahead of a forced sale. “If I were looking at job loss and wondering what to do, I'd be on the market ASAP because at least then I'd know what I've got left.”
In Auckland, agents are also seeing more pain in the market. George Erdos, from Ray White, could not give details about a mortgagee sale he is listing in Blockhouse Bay but said the banks were trying “every possible alternative” to avoid mortgagee sales.
“Contrary to what a lot of people say about the banks, [mortgagee sales] are not their preferred option. It’s the last option, not the first option.”
Owners often went into denial rather than face up to their financial struggles, but that was the worst thing they could do, he said.
“I can’t tell you how many times I hear, ‘The bank has got it wrong, it’s all going to be sorted’. If the mortgagor gets into difficulty, all the costs start compounding.”
Mark Honeybone, agent and franchise owner of Harcourts Property Ventures, has a couple of forced sales on the go, including one in Papakura listed as “on notice from a third-tier lender”.
In West Auckland, broker Kyle Reardon, from Loan Market, said a lot of people were coming forward to get advice ahead of reaching that stage.
The dollars involved were large, he said, citing a couple, where the wife had lost her job, who were making mortgage payments of around $6000-$7000 a month.
The lender agreed to an interest-free option for five months but the mortgage was still over $5000 a month and the maximum the couple could pay was $3500, plus the mortgage was more than the house was now worth. |
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