Look at this graph of New Zealand mortgage interest rates since 1990 – we are experiencing unprecedented low levels of mortgage interest rates.
With interest rates at historical lows, now is the time to make the most of your disposable income and pay off your mortgage sooner.
How does this work?
You’ve probably noticed that your loan repayments fall when your interest rate decreases, and your repayments rise when your interest rate increases – you can take advantage of the current low interest rates by paying more than the minimum repayment required; or if you’re coming off a high fixed rate, or currently on a floating rate, then when you fix your loan you should keep your repayments at their current level, and therefore you’ll pay off your home loan sooner!
We recently helped a client reduce the term of their home loan from 20 years to 5 years!
How did we do that?
We achieved this by negotiating with the bank on their behalf, taking advantage of the low fixed rates on offer, re-balancing our client’s income and expenses, and restructuring their entire loan portfolio.
Can we do this for you?
Yes we can – we will help you restructure your home and investment loans, and re-balance your finances so that you become debt-free sooner.
Why choose us?
We’re independent mortgage and insurance advisers not owned by any bank or insurer. At no cost to you, we give you peace of mind that you’re dealing with professionals that are truly on your side.