Rupert Gough 5/15/25 Rupert Gough 5/15/25

The Magic of Compound Interest When Paying Down Your Mortgage

Paying off your mortgage might feel like a long, slow journey—but thanks to the magic of compound interest, every extra dollar you put towards your loan can have a surprisingly powerful effect. By understanding how interest is calculated and why timing matters, you can make compound interest work in your favour and pay your mortgage off faster.

Rupert Gough 5/3/25 Rupert Gough 5/3/25

What Is a Revolving Credit Account?

Revolving credit accounts can be a powerful tool for mortgage holders—offering flexibility, faster repayments, and interest savings. But they also come with discipline demands and careful planning. Here’s what you need to know to decide if it’s right for you.

Anne Miel 4/23/25 Anne Miel 4/23/25

Weekly vs Monthly Mortgage Payments: Which Is Better?

It’s a common myth that switching from monthly to weekly mortgage payments will save you thousands. While there is a small interest saving, it’s not as much as many think. We break down the numbers—and explain when weekly payments might actually pay off.

Anne Miel 4/13/25 Anne Miel 4/13/25

Should I Pay Down My Mortgage or Contribute to KiwiSaver?

If you’ve got extra income, you might be wondering whether it’s better to reduce your mortgage or invest it into your KiwiSaver. The answer depends on your goals, timeframe, and financial situation. We break down the numbers, the risks, and the long-term implications so you can make the smartest decision for your future.

Anne Miel 4/1/25 Anne Miel 4/1/25

Is It Worth Getting a Flatmate to Help Pay My Mortgage?

Thinking about getting a flatmate to help with the mortgage? That spare room could be the smartest financial decision you make. Here's how shared living can shave years off your home loan, boost your equity, and ease financial pressure—without sacrificing your sanity.

Anne Miel 3/29/25 Anne Miel 3/29/25

Your mortgage rate is 8%

Your interest rate might be 6% or less—but planning as if it were 8% could save you thousands and cut your loan term in half.

Rupert Gough 3/19/25 Rupert Gough 3/19/25

Can Flatmate Income Help You Get a Mortgage in NZ?

Having flatmates can be a smart way to reduce your mortgage faster—but when it comes to applying for the loan, banks have strict limits on how much flatmate income they’ll count. In this article, we explore how lenders view flatmates, how much income they’ll accept, and how to make that extra cash work for you once you’re in your new home.