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Income Protection vs Mortgage Protection

Head-to-Head: Income Protection vs Mortgage Protection Understanding the differences between Income Protection and Mortgage Protection policies.  Amidst the hustle and bustle of day-to-day life, it’s crucial to safeguard your hard-earned success against life’s unexpected twists and turns. Whether you’re scaling the corporate ladder or carving your path as an entrepreneur, financial security and resilience form […]

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April 2024 Update

Interest Deductibility Changes   The Government recently announced that it will restore deductibility for mortgage interest on residential investment properties. From the beginning of this month (April 01), landlords will be able to deduct 80 percent of their interest expenses, with this increasing to 100 percent from 1 April 2025.   If you are a landlord with

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Managing Finances in the Holiday Season Amid Cost of Living Crisis

As we approach the holiday season, the festive spirit often makes managing finances challenging, especially in the current climate of high living costs and mortgage rates. Balancing the joy of giving and celebrating with the practicality of budgeting can seem daunting. However, you can navigate this period without compromising your financial health with strategic planning

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A Steady Hand Amidst Political Winds: RBNZ Holds OCR Unchanged Ahead of Election

In a move forecasted by economists, the Reserve Bank of New Zealand (RBNZ) keeps the Official Cash Rate (OCR) stationary at 5.5% in the final review before a pivotal national election. This decision marks the third instance of maintaining a stable OCR following an 18-month sequence of rate hikes, solidifying a cautious and deliberate approach

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Reserve Bank of New Zealand Holds Official Cash Rate: A Threefold Perspective

In light of the Reserve Bank of New Zealand’s (RBNZ) recent announcement to hold the official cash rate (OCR) at 5.5%, we’d like to provide you with our analysis, blending Threefold’s insights with the prevailing economic landscape. 1.  The Status Quo Maintained: As predicted in our prior review, the RBNZ has decided to maintain the OCR at 5.5%. This

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Interest Rates and the Reserve Bank: A Threefold Perspective

Published 10 August 2023 As we approach next Wednesday’s upcoming Reserve Bank’s official cash rate (OCR) review, all eyes will be looking to market experts and financial analysts who have been pondering the likely decisions and the impacts they may have on mortgage rates, inflation, and the housing market. Here’s a Threefold view of the

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Spring Home Maintenance Checklist: Preparing Your Home and Finances for the Year Ahead

As the days grow longer and the flowers begin to bloom, New Zealanders can feel the essence of spring bringing freshness and renewal to our beautiful country. With the changing seasons, it’s the perfect time to give your home and your finances a well-deserved boost after the winter months. Spring offers a golden opportunity to

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