Navigating the Reserve Banks New Debt-to-Income Ratio Restrictions for First Home Buyers and Homeowners

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The Reserve Bank is looking to revamp its rules for retail bank mortgage lending and plans to bring in debt to income ratio (DTI) restrictions mid-way through 2024. But what is debt to income ratio, and how can it affect me as a first home buyer, homeowner or property investor?

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Read more about the article How Long Should I Fix My Mortgage For?
How long should I fix my mortgage for

How Long Should I Fix My Mortgage For?

If you're trying to get the maximum amount of home loan interest savings and are wanting some certainty around your mortgage repayments, you may be wanting to fix it. But how long should you fix it for? In this article, we’re going to give you four pro tips to help you figure out how long to fix your mortgage for so that you can get the maximum amount of savings on your mortgage repayments as possible, so that you can outsmart the bank when it comes to refixing your mortgage. Pro tip number four is going to save you hundreds of thousands of dollars, so pay close attention to this one!

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How to Refinance Your Mortgage

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If you’re looking to ditch your old bank, get lower mortgage repayments and possibly save hundreds of thousands of dollars in home loan interest but are wondering how to do it, then keep on reading. In this article, we’ll give you the 7 steps on how to refinance your mortgage so you can save the most time, stress and money when it comes to refinancing your mortgage.

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How to Structure Your Mortgage During the Different Stages of Your Life

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Securing a mortgage is usually the most significant financial commitment you’ll ever make, and it sticks with us for 30 odd years! From early adulthood when we're just starting to build our careers, to the midlife years when we might be considering a bigger family home, and finally to retirement when our housing needs change once again. In this article, we’ll talk you through how to structure your mortgage during the different stages of your life and the pros and cons of each of these structures.

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What types of home loan structures are there and what are the pros and cons of each?

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Many kiwis are currently in the process of refinancing their home loans. With interest rates still on the rise, you may be wondering if your current home loan is still right for you. Learn about the different types of home loans you can apply for whether you’re looking for more flexibility, more certainty or a mixture of both.

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Which home loan rate is best?

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When it comes to home loans there are so many different options for rates. Which home loan rate is best for my situation? Do I go fixed, floating or interest only? Learn about the different home loan rates and which option may be best for you and your family and how to use these rates to your advantage.

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