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Have your ‘savings’ account within your home loan

  • NZHL
  • 28th of October 2016
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If you have a mortgage and have a separate bank savings account you are doing the equivalent of driving a car on flat tyres. It works but not very well.

There are 2 main reasons for this, taxation...

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Questioning interest rates

  • NZHL
  • 3rd of August 2016
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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...

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Are you benefiting from the OCR drop?

  • NZHL
  • 28th of July 2015
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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...

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Interest Rate vs Mortgage Term

  • NZHL
  • 28th of May 2015
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‘You only know what you know’. Or in terms of a mortgage, you may only know what your lender chooses to reveal. A quick look at a mortgage comparison site, interest.co.nz, and all you see are...

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