Lance Mulu Real Estate

09/01/2025

NEW TO MARKET‼️
📍 62 WAIPANI ROAD, TE ATATU PENINSULA
🛌3 🛁 1
🔨AUCTION: 3pm, 30th January 2025 (Unless Sold Prior)

👉 https://bit.ly/62-waipani-road-te-atatu-peninsula
📲 Lance - 021 795 793

19/12/2024

RENOVATED AND READY TO MOVE IN‼️
📍 104 PARRS CROSS ROAD, SUNNYVALE
4 Bedrooms | 3 Utility Rooms | Private Deck | Off Street Paking
🔨AUCTION: 3pm, 30th January 2025 (Unless Sold Prior)
📲 Call/text Lance to arrange a viewing on 021 795 793

13/12/2024

HOME FOR SALE‼️
📍 3 JACKWAY RISE, TE KAUWHATA
🛌4 🛁 2 🚙2
🎯 OPEN: Sunday 12-12.45pm
👉 https://bit.ly/3-Jackway-Rise-TK
📲 Lance - 021 795 793

4 bedrooms House for Sale at 3 Jackway Rise, Te Kauwhata, NZ 3710, Offers Over $899,000. View 11 property photos, floor plans and Te Kauwhata suburb information.

06/12/2024

Hello ,

Just in case you missed the news, I started with Harcourts in Henderson this week!

It’s been busy learning the new processes and getting to know the team.

Support has been amazing from friends and family.
Watch this space for new listings in the coming days.
Feel free to reach out if I can help with anything.

Thank you! 🙏 ❤️

A huge Blue Fern welcome to Lance, who has joined our Henderson branch. Lance, a former mortgage broker and police officer, brings a wealth of expertise and collaboration skills to his real estate career, helping clients make informed decisions and achieve their goals. Passionate about social media, he shares valuable insights on platforms like YouTube, Facebook, and TikTok to connect with and educate his audience.

Born in Samoa and raised in New Zealand, Lance is fluent in both Samoan and English. Known for his confidence and approachable nature, he excels at finding creative solutions and offering multiple options to address any challenges that arise. Get in touch with him today!

📱 021795793
📨 [email protected]

01/11/2024

WANNA BE A COP 👮‍♂️ IN 2025?
Having joined the Police twice - in 1997 and 2008, I busted my guts to pass the PAT (Physical Appraisal Test)…

…especially the 2.4k run and swim (I'm not a swimmer😂)

Back then, FAILING the test meant you couldn't reapply for another 12 months☹️...

Today the Newcops site outlines a POINTS SYSTEM for the PAT ...allowing applicants to score a minimum of 11 points across the 4 tests to pass...!

…A LIFESAVER if you didn't smash it in the run 🏃‍♂️ 😆..

How much do you get paid?
SALARY ONLY:
At Police College: 57.6k per year
1st Year: 74.5k
Avg After 5 years: 81.8k

Police pay increases annually according to your role, experience, and rank...

NZ Police has the best SUPERANNUATION 💰 💰Scheme in my opinion!

If shift work is your thing, you'll love the Police.
What's not to like? 🤔 OVERTIME.

Expect to work overtime on the frontline or in busy districts like Counties Manukau where I was based. Gets tiring after a while…
If you happen to arrest someone or attend a serious job an hour before your shift ends, there's every chance you're working overtime! ⏰ (eg. Interrogation & preparing the file for court)

OVERALL it's a super rewarding career but not for the faint-hearted!
Check out newcops.govt.nz!

30/10/2024

PROPERTY TOUR AT 3 JACKWAY RISE, TE KAUWHATA
Thinking about moving to TK? Join me as I tour this beautiful family home!
Call me to arrange a private viewing or see it in person this weekend. You'll be glad you did!

Lance: 021 795 793

25/10/2024

🏠 OVER 30 HOMES SOLD AT RAY WHITE MANUKAU!!

Wednesday capped off several 3 Week auctions campaigns nicely as over 60% of available homes successfully SOLD!!

Wishing all our buyers and sellers the Best!

19/10/2024

WHY REFIX WHEN YOU CAN REFINANCE FOR CASH INSTEAD?
AND benefit from lower rates at the same time..

Speak to your mortgage broker and see if this makes financial sense for you.

NOTE: Refinancing to a New bank can result in a CLAWBACK from your current bank.

A Clawback is when a Bank demands SOME or ALL the Cash they offered you when you joined them.

I'm connected to some great mortgage brokers so please feel free to reach out if you need referrals.

15/10/2024

BUYING A HOME OR UPGRADING? START HERE!
FINALLY! Mortgage interest rates are on their way down...

Borrowing is cheaper today than it was last week meaning for the same income you can borrow $50,000 or more...

That could be the difference between a 2-bedroom townhouse and a 3-bedroom standalone home...

As a former mortgage adviser, when this happens I contact all my first home buyers and upgrading home owners with the Good News...

WHY?
Because house prices may rise again, especially with Summer coming up and buyers on the hunt for a nice home...

If you're considering buying or upgrading these 7 steps will give you a good start!

1. Speak to a mortgage adviser and find out if you can qualify for a home loan.

2. With 20% deposit/equity you can access special rates and cashback from any bank - Mortgage advisers worth their weight can negotiate these for you.
..remember mortgage advisers are paid a commission by the lender/bank so it is in their best interest to get you the best deal versus you going direct to your bank...

3. If you don't have 20% deposit the mortgage adviser may give you a verbal preapproval that can only be assessed in full after you've found a home you want and placed it 'under contract'.

4. If approved for $$$ amount - write up a realistic list of features your ideal home might look like. (eg: 3 bedroom weatherboard home in Manukau close to schools & public transport priced under $850,000)
Note: MUST fit your budget.

5. Take your list/ budget and discuss your goals with a trusted real estate agent.

6. The agent should provide you with several home options based on your budget and priorities. (eg: location, number of bedrooms, parking, etc)

7. If you are upgrading to the 'dream home' you may need to sell your current property in which case...
..your real estate agent will provide an appraisal for your current home and help you determine your budget for your new home.

There is a bit to work through so if you get stuck with any of the above, especially finance approval, reach out and I can point you in the right direction.

Happy days!

13/10/2024

The Official Cash Rate (OCR) reduced by .50 to 4.75% this week and as a result, my bank offered me 5.59% to refix for 1 year.

Part of my mortgage is floating at 7.59%, so the temptation to take the one-year rate is incredibly high but here's the thing...

The next OCR review is on November 27th, and the talk is - a further drop is expected so I'm in a conundrum...

Should we fix now for 12 months at 5.59% or stay floating at the higher rate for another 6 weeks in anticipation of a better 12-month rate leading into Christmas?

Hmm..lower rates might be worth the wait!

02/10/2024

NEW TO MARKET‼️
📍 6 HAMBLYN PLACE, RANUI
🛌7 🛁 3 🚙2
🎯 OPEN: Saturday and Sunday 1-1.30pm
🔨AUCTION: 9am, 23rd October (Unless Sold Prior)
🏠2 Homes For The Price Of 1!

📲 Lance - 021 795 793

02/10/2024

SOLD 🙌 🏆
📍 99 Hetherington Road, RANUI
🛌4 🛁 2 🚙2
Congrats to our buyers Melisha and the family. Its certainly been an emotional and challenging ride but as the saying goes - "Nothing Good Comes Easy".

Thank you for hanging in there! Malo lava le onosa'i!
You can now sit back and enjoy your new home 🏠

Massive thumbs up 👍🏽 to Hongyan Lu 吕宏岩 - Harcourts Northwest Realty for the collaboration!