With Christmas just around the corner and less than 7 weeks away, plus for those last minute loan or mortgage shoppers, we thought we'd give you some extra notice to inform that our offices will be unattended this year from 4pm on the 21st of December to 9am on the 14th of January 2019. However, we would not want anyone to miss out on something! So whether it's a loan for a property, car, holiday or you name it, we still be available and can be contacted by phone or email during this time.

RE INTEREST RATES AND FIXING - As those of you already with a mortgage know, we love negotiating the new rate for re-fixing your loan/s and normally have the lender waive any fee. And we don't charge for that service either. The same no fee applies for those who want a mortgage. NOW IS A GREAT TIME TO BUY. Fixed mortgage rates have dipped across the majority of terms in the past few months. Mortgage rates are influenced by a number of factors, but spring home loan campaigns and a period of lower funding costs were the key drivers of the recent shift lower. Nonetheless, borrowers should still plan to deal with higher interest rate costs in the future. Our and bank Economists expectations of a mild RBNZ tightening cycle suggest shorter-term fixed rates should continue to offer good value and expect floating and short-term fixed mortgage interest rates to remain around current levels well into 2019 and possibly 2020.