Housing in New Zealand too big to fall

Housing in New Zealand too big to fall

A common refrain cropping up in discourse today is that the housing market is too big to fail. That the government won’t let house prices fall. These feelings have only been exacerbated by the reserve bank’s recent announcement that it will roll out a funding for lending programme, where it will lend up to $28 million to banks at the […..]

Why you may want to reconsider paying off the mortgage early

Why you may want to reconsider paying off the mortgage early

Recently, I wrote about a commonly used false argument to pay your mortgage off early.

Another of the most sighted reasons for paying off your mortgage early is that the feeling that it will bring knowing that you no longer have a mortgage to pay. For many people, it will reduce your annual expenses by 30% or more. That is a lot lower cost of living and let me tell you, it does […..]

Should I pay off the mortgage or invest? Consider this

Should I pay off the mortgage or invest? Consider this

One of the greatest money quandaries for those who own a house is whether extra funds should go towards the mortgage or invest.

I even wrote an article about this myself.

Whenever I bring up this topic, the payoff the mortgage camp are extremely staunch and it seems that the majority of New Zealander’s are in this camp, which has prompted several […..]

Should I buy a house now or wait?

Should I buy a house now or wait?

Kyle is in the market for a first home. He wants a 3-bedroom house, but it seems all the 3 bedroom homes in his suburb are out of his price range. Kyle went to the open home of a 70 square metre 2-bedroom house that ticks several of his boxes. However, it is much smaller than he would like for his 3-person family, which is likely […..]

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