Six months ago I wrote an article discussing my thought process around the decision to select a six month or a one year home loan mortgage.
Talk at the time was to fix for as short as possible as interest rates were expected to drop rapidly.
I ended up on deciding to get a one year home loan which expires in September. The […..]
In August I provided a 6 month update for the solar panels we had installed on our home. A $19,000 6.4kw system. After 6 months we had almost recovered 5% of the cost of the solar panels.
Now we have an extra half years data. How did we fare? Is it still worth it? Are we regretting the decision?
Stay tuned to find an answer to all these questions!
With interest rates decreasing for many people, it has made it more attractive to invest again, rather than paying down the mortgage,
With this, there has been an expression of interest in debt recycling. If someone is going to invest rather than pay down the mortgage, they want to legitimately minimize their taxes.
Debt recycling is not at all popular (or familiar) in New Zealand. So today, I thought I would share […..]
House prices in most of the country have dropped significantly since late 2021. This has led to many households who want to sell their house, to holding onto it. Many are tied in to 2021 prices and won’t sell until prices get back to near that point or higher. It feels like a loss in money even though in reality it isn’t a loss. It is just a change a value. This is […..]
In February I provided a 1 month update for the solar panels. Of course, was looking like a great a great decision. It was the sunniest month of the year after all.
Now we have an extra half years data, including the worst of winter. How did we fare? Is it still worth it? Are we regretting the decision?
Stay tuned to find an answer to all these questions!
I’ve had a few clients recently wonder about how much mortgage rates will need to be at a future point in time to make up for taking a higher short term mortgage rate now.
The thinking is that the general populace believe mortgage rates are going down in the next year, so many people are considering fixing for […..]
Since affordability of housing is such a hot topic at the moment, we will provide an up to date analysis of house prices today, also relative to the past.
Median house prices nationwide are $790,000 currently. That is an increase of just $10,000 since 2021. An increase of just 0.5% per year for the last three years.
So what is […..]
As part of our new build house we are in the middle of having completed, we were weighing up the decision to get solar panels or not.
At the beginning I was excited about the prospect of starting a building from scratch in our expected long term location. It seemed the ideal time to install solar panels […..]
Kernel came out with an article over the weekend that renters could be $600,000 better off in retirement than homeowners.
This definitely piqued my interest.
I have […..]
