Articles

I recently read a joint survey by theFinancial Markets Authority (FMA)and theCommission for Financial Capability (CFFC) onRetirement

When I am reviewing a clients loan structure we will almost always have a quick discussion about credit cards.

Confucius — ‘The man whomoves a mountainbegins by carrying away small stones.’

A conversation I’ve had a couple of times recently has been with couples considering selling their house and renting in a more desirable area. The risk that you always run with this type of option is...

With the Reserve Bank dropping the OCR by 0.25% and most of the banks reacting immediately by dropping their floating rates we remain in a position of historic low interest rates. Around 80% of...

We are getting a number of our clients in their late twenties and early 30s asking about investment properties. They have typically had their own house for a few years and are interested to see if a...

Last week I spoke about thebenefits of taking what control you canover your mortgage, today I’ll run through a typical example.

Without question the hardest part about buying your first home is getting a deposit together, particularly at the moment when the required deposit can be as much as 20%. If we look at the average NZ...

Most people when they take a mortgage, give up control. This somewhat makes sense, you are borrowing a large amount of money from a bank or lending institution and do have to follow their rules, to...

In my recent article I spoke about theimpact of the OCR if you are floating. Today I’ll address those who have a fixed mortgage. If you fixed your loan last year interest rates on offer were likely...