Pay off the family home in 10 years

For many of us, a mortgage is something that stays around for the better part of our adult lives. Not so for Heidi Farrelly and her family.

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Pay off your mortgage sooner with this 2019 finance to-do list

It’s easy to get overwhelmed with a long list of tasks, so we’ve simplified things for you. Just tackle one job on this list each month to make it a whole lot easier to pay-off your mortgage in 2019.

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Make your New Year’s resolution all about a home loan health check

Whenever we think of New Year’s resolutions, we always seem to commit to improving our physical wellbeing rather than our financial wellbeing.

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Tips For Buying A House

Interest rates remain near historic lows, but that may start to change before long. Meanwhile, as the cost of rental homes pushes into the stratosphere, it’s worth considering whether it’s time to get into home ownership instead of renting. If you’re thinking of buying a house or refinancing your existing mortgage, these golden rules can…

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Top 7 Credit Card Mistakes

Credit cards can be great financial tools, but carry dangers. Debt is an obvious risk, but there are others too. If you have credit cards, you want to make sure you are using them to your benefit and avoiding risks. 1. Annual Fees There are times when getting a credit card with an annual fee makes…

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Growth vs Yield

Think of yield as what you get paid regularly, and Growth as how much our property increases in value. Both are important if you want to succeed in the New Zealand property market. You need yield to repay the bank for your mortgage but yield won’t be a significant contributor to your retirement savings. For…

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Secrets to Successful Refinancing

Unsatisfied with your rates or seeking better customer service? You’re not alone. There are always plenty of borrowers looking for a better deal. But while it might look like a good idea on quick glance, refinancing has its hazards and needs to be considered carefully before going forward. Refinancing may be a necessary tool for…

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Refinancing Credit Cards – Using Home Equity?

So people think of mortgages as good debt and credit cards as bad debt, but is it really that simple? It usually isn’t. Sure the idea of paying off debt that may have interest rates as high as 30% sounds great in theory, but there are some pitfalls when adding that debt into your mortgage.…

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Mortgage Brokers

A good mortgage broker can be invaluable, however not all mortgage brokers necessarily specialise in the area you require, for example not all mortgage brokers will know enough about property investing to give good sound advice. Like finding the right property, finding a broker that meets your needs requires research. What is a mortgage broker?…

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Managing your food bill

Food can be one of the biggest areas of wastage in the typical house hold budget. A Myth is also that Nutritious wholesome food is unaffordable By putting some simple practices into your weekly plan you will see some massive shifts in your costs. 5 Simple practices  1 ) Plan ahead: Plan a weekly menu. …

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