mortgage Archives

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 to do When Your Mortgage Rate Increases

Post author:jacque
Post published:June 27, 2023
Post category:Your Money

Rising interest rates continue to be a hot topic as more and more New Zealanders are having to refix after the much lower interest rates on offer during the pandemic. With more money going out to pay off your mortgage, we can you do? We ask this question and more to our Co-Founder of Futurebound and Financial Coach, Jeff, to put your mind at ease about rising interest rates and mortgage repayments.

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 Type of Income Do I Need To Get a Mortgage

Post author:jacque
Post published:October 20, 2022
Post category:Your Money

Banks don't like you, and that may very well be because even though you earn a lot, you don't have the right type of income to get a mortgage. So what type of income is needed to get a mortgage?

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.

Four Reasons to Pay off Your Mortgage before Investing in Shares

Post author:jacque
Post published:June 30, 2022
Post category:Your Money

Learn four important reasons as to why you should pay off your mortgage before you invest in the share market. Your plan for getting mortgage and financially free is coming together and now you’re wondering what’s the best way to invest your seed capital.

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

What to do When Your Mortgage Rate Increases

Which home loan rate is best?

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

Should I buy my first home in the current market?

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

What Type of Income Do I Need To Get a Mortgage

What is split banking

Four Reasons to Refinance Your Mortgage

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