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Either earn more or have a savings plan

  • NZHL
  • 8th of November 2016
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Around 7 years ago I was in a conversation with a colleague around what income you would need to be in a position where you cannot help but save money. That is, not being able to spend it all....

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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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Avoiding the 30 year mortgage term

  • NZHL
  • 16th of September 2016
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Is all the time and effort you put into your job only going to lead to a bigger house and nicer car yet keep you stuck with having a mortgage until you are retired?

It is an easy trap to fall...

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5 Mortgage mistakes to avoid

  • NZHL
  • 3rd of August 2016
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  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...
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End of Mortgage in Sight?

  • NZHL
  • 19th of July 2016
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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...

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Control - The Example

  • NZHL
  • 26th of June 2015
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Last week I spoke about the benefits of taking what control you can over your mortgage, today I’ll run through a typical example.

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Control

  • NZHL
  • 19th of June 2015
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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,...

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Should you break your loan?

  • NZHL
  • 11th of June 2015
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In my recent article I spoke about the impact 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...

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How to Buy with a Low Deposit

  • NZHL
  • 16th of April 2015
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As we enter the new year and get a clearer understanding of the new government low deposit restrictions a number of solutions have become available to those without a 20% deposit. These include:

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