Articles

As someone who is usually always questioned on interest rate I want to illustrate why it is never that simple using a single point of reference for a mortgage. I’ll illustrate it with Smith vs Smyth.

1. Fixing your entire mortgage. While there are some very tempting fixed rates at the moment, if you choose to fix your entire loan you are also locking in how fast (or slow in most cases) you can pay...

A conversation I’ll sometimes have with people with the end of their mortgage in sight is “once the mortgage is paid off we want to get an investment property”. I often question the need to wait...

As a landlord there are some legal obligations that you have to your tenants (and some that they have to you). Here is some legal 'stuff' that as a landlord you should know.

There are ways to add structure to mortgages that will allow you to minimize the interest you pay on your borrowing. These ways can be broken into two types:

I’m not sure if it is possible to go through life without debt but it would be extremely challenging. A person’s introduction to debt will typically start with tertiary education, needing to get a...

Burn is a term I sometimes use to describe for your monthly expenses or commitments , that is how much money do you ‘burn’ through each month. I know some people on very good incomes but their burn...

After weeks of hints and speculation it's finally here. The 2016 Budget has been released by Finance Minister Bill English. As one might expect, it's a naturally conservative budget with health and...

Buying a house can be daunting, and in the current market, even more so. There are so many things to think about and so many variables to consider you could literally write a book on it (and many...

I’ve had a few readers ask about my build progress and as of 2 weeks ago I can now answer; abandoned. We went through a number of designs with a new company and after pricing the one that worked for...