29/10/2026
When was the last time you actually reviewed your mortgage? And I don't just mean your interest rate, I mean the whole thing.
Your income might have changed. Your expenses, your family, your goals, all of it can shift over a few years, but your mortgage structure often stays exactly as it was the day you set it up. That's why I've never been a fan of the "set and forget" approach, and why I joined NZHL as a Mortgage Mentor.
A review doesn't have to mean changing anything. Sometimes it's simply checking that what you've got still makes sense for where you're heading, and every so often a small change can make a real difference over time.
