jb's blog

One area that has concerned me the past two years is the use of financial derivatives into the rural and SME business markets. Bank bill priced term loans with interest rate swaps attached are like putting lipstick on a pig

Having the right Mortgage Strategy can save you thousands in interest every year let alone over the life of a mortgage.  That’s why we think it always pays to get the best possible advice.  JB (author of this blog) is the former General Manager Products at ANZ National Bank and has managed over $15 billion

If your mortgage is with ASB, BNZ, National Bank or Sovereign – and you have over two years left on your mortgage – then you may financially benefit from breaking your fixed rate.

Nothing these days is straightforward and good older homes are getting harder to find. The advantage of the older home is that remedial works and maintenance can be a cheaper option than having to reclad a leaking newer home

There is a lot of misinformation out in the market. I’m using this blog to provide a bit more perspective about why there is no need to panic about rates