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Change is constant. When you set up your mortgage originally, the interest rates were applicable to the housing market at the time. Likewise, the size and term of your mortgage was appropriate to your income and outgoings at that time. You had a new home, lots of set-up costs and
When you originally set up your mortgage, it would have been subject to the floating and fixed lending rates for that particular day, with your specific bank. But things change over the years. It could be time for a re-look, with a view to saving some interest or improving your
One of the simplest ways to see what your regular mortgage repayments would be is to use our mortgage repayments calculator. You can also use
The short answer to this intriguing question is ‘as often as you want to’. Refinancing, aka remortgaging, can be something you do regularly, to either
This article provides information on working with a mortgage adviser when you’re refinancing a mortgage. We also have a free service that connects you with
Despite the best of intentions, not all business and personal relationships survive the test of time. If the partners own a property together they’ll likely
Moving from one mortgage provider to another involves applying for and getting a new loan, then using that loan to repay your old one, so
For some years now, New Zealand’s main banks and other mortgage lenders have been known to offer a cashback reward to eligible customers when they
Most people think about breaking their fixed rate mortgage when interest rates are falling and they see lower rates than the one they’re on. But
Creating future retirement income by buying investment properties is a time-honoured way to build your wealth, so you can achieve freedom from work. And we’re
With so many mortgage lenders, interest rates and terms to choose from, finding the best solution for your circumstances can be hard work. Whether you’re
If your mortgage is due to come off fixed, you’re probably looking at a new interest rate that’s more than double what you’ve been paying.
Getting a mortgage is a big deal. Where do you go to find the best lender for your circumstances? What criteria will you have to
Moving from one mortgage provider to another involves applying for and getting a new loan, then using that loan to repay your old one, so
When it comes to choosing a mortgage broker or mortgage adviser, there are quite a few things to check out and carefully consider. This article
You’ve probably heard there’s usually no charge to use a mortgage broker (mortgage adviser). That’s because they’re paid a commission by the lender you end
A property is one of the most expensive things you’ll ever buy. The amount you borrow and the interest you’ll pay over decades can be
When it comes to getting a new home loan or refinancing a property, many high-income households face a choice of working with a personal banker
Understanding how lenders calculate your mortgage interest is the first step to finding ways to pay less interest over the life of your loan. To
A revolving credit mortgage is like an all-in-one bank account with a large overdraft facility. It lets you draw down a loan, put money in
As its name suggests, an interest-only mortgage means your regular weekly, fortnightly or monthly repayments only include the interest charged. So you don’t repay any
Once you have a mortgage, it’s a good idea to keep a regular eye on how it’s performing for you. You should revisit things every
When you’re borrowing to buy a home or an investment property there are several different types of mortgages to choose from. Once you understand how they
An offset mortgage lets you use money in a separate account (savings or everyday) to effectively reduce the balance of your mortgage when it comes
When you have a mortgage ticking away with regular repayments happening automatically, it can be easy to simply let things continue as they are. But
The question ‘how long should I fix my mortgage for’ has much in common with questions like ‘what are interest rates going to do?’, ‘how
When you start planning to buy a home, there’s a lot of jargon to get your head around. But most of it is easily understood,
A fixed rate mortgage has an interest rate that doesn’t change over an agreed period of time – six months, or one, two, three, four
Also known as a ‘variable mortgage’ or ‘floating home loan’, a floating rate mortgage has an interest rate that can increase or decrease at any
There are two main types of mortgage insurance – mortgage repayment protection insurance and lenders’ mortgage insurance. The first is similar to the other types
Whether you’re applying for your first mortgage, restructuring an existing loan or refinancing to a new lender, it helps to understand why people choose different
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