The secret to paying off your mortgage sooner.

The secret to paying off your mortgage sooner.

There is no huge secret – it’s embarrassingly simple.   So why do some people manage to become mortgage-free in a few years while others on the same income somehow never get out from under their debt? Here are some tips and tricks I’ve learned over the years.   Pay...
The Irresponsible Lending Code.

The Irresponsible Lending Code.

A few years back, the government created guidelines to stop lenders loading debt onto people who were ill equipped to handle it. The Responsible Lending Code now informs the way banks lend new money. Unfortunately, it hasn’t fully permeated down to the way they manage...
Why refinancing (probably) isn’t the answer.

Why refinancing (probably) isn’t the answer.

You may have noticed the banks are fighting for marketshare. House sales are sluggish so they’re using cut-price interest rate offers to win your business.   Tempted to refinance? Tread carefully.   An ad with a juicy rate in the headline may seem like a great deal....
“Should I use my KiwiSaver to pay off my mortgage?”

“Should I use my KiwiSaver to pay off my mortgage?”

We’re often asked this question by people approaching retirement. While I can’t give specific advice, here’s how I’d approach the issue.   NZ Super is designed to cover basic expenses only. If you’re 65 and have few other resources, Super will provide a barebones...
4 tips to lift your mortgage game.

4 tips to lift your mortgage game.

Continuing the theme of numbered checklists, here are four things you need to know about.   Make the most of today’s astonishingly low rates. I never imagined we would be looking at rates like 3.95% p.a. at this stage in the economic cycle. Talk to me now if you’d...

The secret to being mortgage-free.

It’s a boring word – budgeting. Actually, budgeting isn’t boring at all. It’s beautiful. It’s the key to living a wonderful, happy life, where you spend money on the things that add value and bring you joy, while steadily paying down debt. Or if you’re looking to buy...