Book Your Home Loan Restructure Check-in

May 27, 2022 10:24:57 AM

Most homeowners in New Zealand are justifiably concerned about rising interest rates and home loan affordability. In mid-April 2022, the Reserve Bank of New Zealand raised the Official Cash Rate (OCR) to 1.5 percent, its biggest rate hike in more than 20 years. A further increase at the end of May takes the OCR to 2 percent. At the same time, inflation has risen to a whopping 7 per cent, placing enormous pressure on already overstretched household budgets. Restructuring the mortgage could help reduce the risk of exposure to interest rate movements.


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Topics: Mortgage Advisers, Refinancing, refixing

The Right Time to Refinance or Refix

Apr 26, 2022 11:11:33 AM

Some homeowners don’t give much thought to their mortgage once it’s been approved. Aside from making regular repayments and checking the bank statement every month, they simply adopt a “set and forget” attitude when it comes to their home loan. However, a regular review of the home loan and financial situation could uncover opportunities to pay back the mortgage much sooner. And knowing when to refinance or refix is an important part of that process.


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Topics: Financial Health, Refinancing, refixing, Home Loans

Refinancing Your Mortgage

Aug 13, 2018 12:06:07 PM

Refinancing your home loan has a number of benefits. A lower interest rate or better terms could help you pay off your mortgage much faster and help you reach your financial goals sooner. But, it’s important to be aware of the shortcomings too. Take a look at what you need to look out for when refinancing your mortgage.


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Topics: Refinancing Options, Mortgages, Housing Market, mortgage stress, Refinancing, Mortgage Debt, NZ Mortgage Adviser

Low Cost DIY Projects That Add Value

Jun 19, 2018 1:58:04 PM

Cost is usually a major factor when it comes to any home renovations, and weighing up the cost versus return is an important part of your decision making. Whether you’re looking to sell your home or just freshen it up, here are a few low cost projects that you can do yourself to revitalise your home and add value.


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Topics: Refinancing Options, Mortgages, Home Maintenance, Refinancing, Home Renovations, NZ Mortgage Adviser