Some people will always get their mortgage broker to negotiate rates and re-fix their loans, while others will deal directly with the bank. In many cases the banks want people to deal direct and actively promote this, and some have even set up automated processes so you can re-fix your loans online with the simple click of a button. So with the banks making this process so easy, why would you bother contacting a mortgage broker?  - Well it's really quite simple, online may be easy but you get no personal advice and, apart from getting our unbiased advice, there's no extra cost to use our services. Plus we like to make sure you understand how to balance things when comparing options!

Apart from the main trading banks we also liaise with non-bank lenders, so we provide customers options to choose from when needing a loan for just about anything, and can negotiate the future loan re-fixing plus show them how to save their money. 

If you or any of your family and friends need a loan for just about anything, we're here to assist. 

Call one of our team today to set a time for discussing your lending requirements.

The relatively small and isolated New Zealand economy is largely dependent on the rest of the world. Global trade conditions have become increasingly uncertain over recent months, with tariffs between the United States and China and Britain's divorce from the EU both having a negative impact on global sentiment. While favourable production conditions and strong commodity prices are great news for New Zealand farmers, the local economy continues to face a number of challenges.

First home buyers are on the rise across New Zealand, with new buyers enjoying a record share of mortgage money despite a recent drop in overall housing finance. According to figures from the Reserve Bank of New Zealand (RBNZ), national mortgage values were worth $5.371 billion in December 2018, which is $300 million more than a year ago and $850 million down from November. First home buyers made up 17.2 percent of the overall market with $924 million borrowed over the month, which is the highest level recorded since RBNZ started publishing data back in August 2014.

When it comes to the design and implementation of renewable energy solutions, not all countries are created equal. From solar and wind power through to hydro and geothermal energy solutions, some nations are doing much more than others in the movement towards a low-carbon future. According to the Climate Council, Sweden is aiming to be the world's first 100 percent renewable country when it comes to electricity generation, with other ambitious green nations including Costa Rica, Nicaragua, Scotland, Germany, and Uruguay.

For better and worse, humans have undoubtedly taken over planet Earth. Our use of tools and knack for self-awareness has given us an edge over the rest of the animal kingdom, to the point where many other species are under threat as the result of our existence. While our ability to learn, be creative, and solve problems is impressive and unsurpassed, a number of other species also show remarkable signs of intelligence. Let's take a look at the world's smartest animals and see how their intelligence differs from ours.

This is the first part of a two part discussion. What we eat has a huge effect on the world around us, with our diet closely linked with global farming practices and the health of environmental systems. With agriculture responsible for up to 30 percent of greenhouse gas emissions, and most of these emissions coming from red meat production, simple changes to our diet could have a huge impact on the world around us. According to a new report published in The Lancet, eating less meat is critical if we want better personal health and improved environmental outcomes. Let's analyse the rather persuasive environmental argument, and leave the health argument to part two of this article.