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# How Long Should I Refix My Mortgage For? What the Iran Conflict, Oil Prices, and Inflation Could Mean for New Zealand Homeowners One of the most common questions I’m being asked by clients right now is: **”How long should I fix my mortgage for?”** Under normal circumstances, that’s a difficult question to answer. In…

Refinancing your mortgage makes sense when the potential savings or structural improvements outweigh the cost of breaking your current fixed term. Break fees are calculated based on the difference between your locked-in rate and the wholesale rate your bank can re-lend that money at for the remaining term — which means they vary widely depending…

Yes, you can absolutely use your KiwiSaver first-home withdrawal and a gifted deposit together when buying your first home. In fact, combining KiwiSaver, a cash gift from family, and your own savings is one of the most common ways first home buyers on the Hibiscus Coast and across Auckland put together a deposit that gets…

A fixed and floating split means you divide your home loan into two or more portions — some locked at a fixed interest rate for a set term, and some sitting on a floating rate that moves with the market. The right mix in 2026 depends on your risk tolerance, your cash flow goals, and…