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...
Rates are finally drifting down—and the numbers are a game changer. We take a real $700k mortgage, drop the rate from 7% to 4.49%, and show how repayments tumble from about $4,657 to $3,543 a month. That’s roughly $1,200 back in your pocket every month, or around $324 a week. The big question becomes strategic: do you take the cash flow win, or keep your repayments the same and attack your principal to cut years off your term? We walk through both paths with live-style modelling and clear, s...
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...
