Lending Archives

How long should I fix my mortgage for

How Long Should I Fix My Mortgage For?

Post author:admin
Post published:September 28, 2023
Post category:Lending

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!

How to Refinance Your Mortgage

Post author:jacque
Post published:September 13, 2023
Post category:Lending

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.

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

Post author:jacque
Post published:September 1, 2023
Post category:Lending

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.

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

Post author:jacque
Post published:July 28, 2023
Post category:Lending

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.

Which home loan rate is best?

Post author:jacque
Post published:May 10, 2023
Post category:Lending

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.

Should I refinance my mortgage to get a lower interest rate?

Post author:jacque
Post published:April 26, 2023
Post category:Lending

In this article, you’ll learn whether or not you should be refinancing and three points to consider before you move that might help put some extra money in your wallet.

Should I buy my first home in the current market?

Post author:jacque
Post published:April 26, 2023
Post category:Lending

The housing market is receiving a lot of media attention at the moment as house prices continue to fall and interest rates continue to rise. This article aims to give you some context to New Zealand’s (and Wellington’s) current housing market and will talk through the three main points you may be considering before buying your first home that might be keeping you on the fence.

Refixing, refinancing, and restructuring – what is the difference?

Post author:jacque
Post published:April 25, 2023
Post category:Lending

Learn the difference between refixing a mortgage, restructuring a mortgage and refinancing a mortgage. We’ll also teach you why these terms are so important and how they can apply to your mortgage to help you save more money on interest and help you pay off your mortgage a lot faster.

What is split banking

Post author:jacque
Post published:July 28, 2022
Post category:Lending

What is split banking? When it comes to building wealth with property investment to reach mortgage and financial freedom, control over your financial situation is key. The problem is when you get money from the bank to buy your rental property, they have a certain amount of decision-making power over your money.

Four Reasons to Refinance Your Mortgage

Post author:jacque
Post published:July 21, 2022
Post category:Lending

Learn how to refinance your mortgage. In times when interest rates are going up it makes sense to shop around to find a better mortgage deal to get a bit of relief in your wallet.

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