What happens when your rent looks a lot like a mortgage, but lenders keep saying no? We sit down with Mark to unpack how he and Shelly went from casual work, rising rents, and thin savings to owning a low maintenance beachside unit in their 60s—without pretending the numbers were easy. We walk through the moments that changed their trajectory: both securing full time roles, setting clear non-negotiables (no renovations, stable cash flow), and using KiwiSaver to close the deposit gap. After p...
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What happens when your rent looks a lot like a mortgage, but lenders keep saying no? We sit down with Mark to unpack how he and Shelly went from casual work, rising rents, and thin savings to owning a low maintenance beachside unit in their 60s—without pretending the numbers were easy. We walk through the moments that changed their trajectory: both securing full time roles, setting clear non-negotiables (no renovations, stable cash flow), and using KiwiSaver to close the deposit gap. After p...
Council Rates Can’t Be Fixed, But Your Mortgage Can
That Home Loan Hub
8 minutes
6 days ago
Council Rates Can’t Be Fixed, But Your Mortgage Can
A 50 basis point cut just landed, floating rates slid, and yet those four and five-year fixes barely blinked. We unpack the why behind that mismatch, translating market dynamics into clear choices for homeowners who need more than headlines to make the next fix decision. We walk through how banks price long-term rates off wholesale markets and inflation expectations—often “pre-pricing” central bank moves—so the long end can bottom before retail rates catch up. From there, we weigh certainty ...
That Home Loan Hub
What happens when your rent looks a lot like a mortgage, but lenders keep saying no? We sit down with Mark to unpack how he and Shelly went from casual work, rising rents, and thin savings to owning a low maintenance beachside unit in their 60s—without pretending the numbers were easy. We walk through the moments that changed their trajectory: both securing full time roles, setting clear non-negotiables (no renovations, stable cash flow), and using KiwiSaver to close the deposit gap. After p...
