YOUR FINANCIAL STRATEGISTS

Giving you the tools to map out your life.

Helping you see what’s possible. Our software gives you the visibility and
confidence to make the right choices.

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QUICK-TIP MORTGAGE PROFILER

Age, relationship, earning potential and families can all change your mortgage strategy.

Select your mortgage status and buttons below to get your quick-tip. These are some of the things we’ll be thinking about when we talk to you.
  • Single
  • Couple
  • Yes
  • Not yet
  • No
  • Saver
  • Spender

TOP 5 REASONS TO REVIEW YOUR MORTGAGE

1
New job or promotion

Surplus income is a great reason to revisit your mortgage structure — putting surplus income against your debt could cut years off your loan if you plan it right.

2
Addition to the family?

Often the birth of a child also means a reduction in income. Reviewing your mortgage may allow for an interest only period to reduce mortgage repayments while income is tight.

3
Fixed rate expiry

If you don’t re-fix your loans, they will automatically transfer to a floating rate — which is normally much higher. Requesting rates early means you can organise to transfer straight onto the new fixed term.

4
Thinking about buying another property

As you pay down debt, you increase the equity in your home. In some cases, you can use the equity to help with the deposit for an investment property — starting your own portfolio.

5
Keep shopping around

As advisers, we like to keep our eye on the wider mortgage market and let you know if moving banks might get you access to better rates, loan products and even a cash contribution towards the cost of moving.

See more Pointer Tips

FIRST HOME BUYERS GUIDE

What to know before signing on the dotted line.

Are you a KiwiSaver first-home withdrawal candidate? Do you understand the criteria or know how to apply for a home loan? We will share all our experience to make the process as easy and simple as possible. See our First Home Buyers Guide to get you started.

Read Home Buyers Guide

MORTGAGE STORY PROPERTY INVESTMENT

Tai and Jess didn’t realise how upsizing to a bigger family home was going to start their property portfolio.

Tai and Jess had been living in their first home for the last 12 years — but with two young children, they needed to upsize. While they were sad to leave all those memories behind, they had done well to repay their debt faster than normal and were ready to find a new home. After talking to us and looking at their wider picture, it turns out they could not only afford to buy that larger home, but also keep their existing family home as an investment property. With our guidance, they felt more confident about taking that next step as property investors, allowing them to reduce their taxable income at the same time.

“Pointer took the time to understand our story and show us what was possible.” — Tai & Jess

More Mortgage Care Stories

LIFE-MAP STORY HOUSE UPGRADE PROJECTION

Lea and Rob had no idea that upgrading their home to a
better school zone was even possible.

When Lea and Rob came to see us they were expecting their first baby. They had done some calculations about going down to one income, but they were worried about not going backwards and were looking to cancel a raft of life insurances. We were concerned that they may have been focusing too much on the short-term and the life-mapping suggested that this was the case. While they would go sideways over the next 18 months, they would get back on track once Lea returned to work with very little variation to their long-term picture.

Better still, the modelling also showed that within 5 years they could afford to sell where they were and upgrade to a bigger home that was more suited to their growing family. While this would put them back into debt, if their careers stayed on track, they would still clear their mortgage with plenty of time to prepare for retirement.

“Life-mapping showed us that we were so much better off than we thought!” — Lea & Rob

More Life-Map Stories
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QUICK-TIP MORTGAGE PROFILER

Age, relationship, earning potential and families can all change your mortgage strategy.

Select your mortgage status and buttons below to get your quick-tip. These are some of the things we’ll be thinking about when we talk to you.
  • Single
  • Couple
  • Yes
  • Not yet
  • No
  • Saver
  • Spender