Stuart Harris The Finance Collective

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Stuart Harris The Finance Collective I'm passionate about getting my customers the right deal without all the fluff.

If you want to repay faster, start with cashflow.Where does the surplus actually come from, and is it reliable?A good st...
14/10/2026

If you want to repay faster, start with cashflow.

Where does the surplus actually come from, and is it reliable?

A good strategy makes extra repayments automatic, not ‘when we remember’.

Questions I’m often asked:
• Should I shorten my term or just pay extra?
• How much difference do small extra repayments really make?

If you’d like a second opinion, I’m here.

People often shorten their term, then feel trapped when life changes.Sometimes keeping the term longer but paying extra ...
06/10/2026

People often shorten their term, then feel trapped when life changes.

Sometimes keeping the term longer but paying extra gives you progress and flexibility.

It’s not just the math — it’s the lifestyle fit.

Questions I’m often asked:
• Should I shorten my term or just pay extra?
• How much difference do small extra repayments really make?

If you want clarity before making a move, flick me a message.

I see plenty of people with good income and solid equity… but no strategy.Just busy. Just paying bills. Just hoping it w...
30/09/2026

I see plenty of people with good income and solid equity… but no strategy.

Just busy. Just paying bills. Just hoping it works out.

A simple plan can turn that into real progress.

Questions I’m often asked:
• Should I focus on property or managed funds?
• Am I taking on too much risk?

If you want clarity before making a move, flick me a message.

Retirement planning is just wealth planning with a deadline.If you don’t know what ‘enough’ looks like, it’s hard to mak...
23/09/2026

Retirement planning is just wealth planning with a deadline.

If you don’t know what ‘enough’ looks like, it’s hard to make good choices now.

A plan turns goals into numbers you can actually work with.

Questions I’m often asked:
• Should I invest or clear debt first?
• How much do I actually need for retirement?

If you want the numbers checked properly, let’s talk.

Sometimes the best ‘refix’ is actually a refinance.If your lender isn’t competitive, or your structure is messy, switchi...
16/09/2026

Sometimes the best ‘refix’ is actually a refinance.

If your lender isn’t competitive, or your structure is messy, switching banks can be the cleaner fix.

The key is checking the numbers properly, including any break costs.

Questions I’m often asked:
• How long should I fix for right now?
• Is it worth splitting my mortgage?

If you’d like a second opinion, I’m here.

KiwiSaver is a powerful tool, but only if it’s aligned with your wider plan.If your mortgage strategy says one thing and...
12/09/2026

KiwiSaver is a powerful tool, but only if it’s aligned with your wider plan.

If your mortgage strategy says one thing and KiwiSaver is doing another, you’re not getting full value.

A bit of alignment goes a long way.

Questions I’m often asked:
• Am I in the right fund for my age and goals?
• Should I contribute more than the minimum?

If you’d like a second opinion, I’m here.

Interest‑only isn’t ‘good’ or ‘bad’. It’s a tool.Sometimes it’s the right move for portfolio building. Sometimes P&I is ...
09/09/2026

Interest‑only isn’t ‘good’ or ‘bad’. It’s a tool.

Sometimes it’s the right move for portfolio building. Sometimes P&I is better for momentum and risk.

The strategy should match your plan, not someone else’s opinion.

Questions I’m often asked:
• Should I go interest-only or principal & interest?
• Will this limit my ability to buy another one later?

Happy to run through your options and map out a plan.

Break costs scare people.Sometimes they’re real. Sometimes they’re minimal. Sometimes there are none.The key is checking...
26/08/2026

Break costs scare people.

Sometimes they’re real. Sometimes they’re minimal. Sometimes there are none.

The key is checking properly before you assume refinancing isn’t worth it.

Questions I’m often asked:
• Is refinancing worth it right now?
• Will I have break costs if I switch banks?

If you want the numbers checked properly, let’s talk.

Sequence risk matters.Retiring into a market downturn can derail a plan even if your numbers look good on paper.That’s w...
19/08/2026

Sequence risk matters.

Retiring into a market downturn can derail a plan even if your numbers look good on paper.

That’s why buffers and a sensible strategy beat aggressive assumptions.

Questions I’m often asked:
• Can I retire early without being unrealistic?
• What needs to change to make it possible?

If you’d like a second opinion, I’m here.

Using equity can be powerful — or it can quietly trap you.If everything is cross‑collateralised and tangled together, yo...
07/08/2026

Using equity can be powerful — or it can quietly trap you.

If everything is cross‑collateralised and tangled together, you lose flexibility fast.

Good structuring keeps options open for the next purchase.

Questions I’m often asked:
• Should I go interest-only or principal & interest?
• Will this limit my ability to buy another one later?

If you want clarity before making a move, flick me a message.

Address

30 Waipuna Grove, Welcome Bay
Tauranga
3118

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm

Telephone

+64276772881

Website

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