Over the last 30 plus years, I have worked with thousands of individuals, families, and business owners. Different backgrounds, different income levels, different goals. Yet one pattern shows up again and again. Most financial stress does not come from one big failure. It comes from small habits we do not even realise we have. People […]

I have learned over the years that truly smart people are not defined by titles, qualifications, or how loudly they speak. They are defined by the habits they practise every single day. One of the strongest qualities I see in smart people is their ability to act without unnecessary delay. If something can be done […]

Always broke? Never really know how much money you really have, or understand where your money has gone? It’s an easy problem to fix with these six steps. For many people, sticking their head in the proverbial sand is their preferred method of money management. Crossing their fingers and hoping their card is accepted at […]

Being a mortgage provider is no longer exclusive to big banks. The number of relatively new and accredited lenders has grown to meet the bulging housing demands, and with this expanded territory comes fierce competition. Everyone loves freebies, especially when they are used as sweeteners for big purchases. We’ve all seen the adverts, we’ve all […]

In a time where the cost of living is increasing significantly faster than our pay rises can keep up with, many ‘average’ New Zealanders are faced with fears that a home loan will cripple their finances. They worry that their ability to enjoy the lifestyle our beautiful country has on offer will be all but […]

Myths, old wives tales, call them what you will. There are a number of misleading ideas around mortgages that can trick you into, or out of making the best decisions for you and your finances. The truth is, there is no mortgage package that suits everyone, there’s no solution that fits all situations, and unfortunately, […]