Stuart Harris The Finance Collective

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

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.

You don’t need to suffer to pay your mortgage off faster.You need a plan you can stick to.Aggressive strategies that las...
04/08/2026

You don’t need to suffer to pay your mortgage off faster.

You need a plan you can stick to.

Aggressive strategies that last two months don’t beat steady progress that lasts two years.

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 the numbers checked properly, let’s talk.

Property can build wealth. So can managed funds. So can KiwiSaver.The best answer is usually a mix — built around your c...
29/07/2026

Property can build wealth. So can managed funds. So can KiwiSaver.

The best answer is usually a mix — built around your cashflow and your risk comfort.

The goal is options over time, not bragging rights today.

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

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

People often ask if they should invest or pay down debt.The real answer is: it depends on your cashflow, risk tolerance,...
22/07/2026

People often ask if they should invest or pay down debt.

The real answer is: it depends on your cashflow, risk tolerance, timeframe, and what you’re trying to achieve.

A good plan stops you bouncing between strategies.

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

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

Rate headlines change every week.Your plan shouldn’t.The best refix decision is the one that matches your next 1–3 years...
15/07/2026

Rate headlines change every week.

Your plan shouldn’t.

The best refix decision is the one that matches your next 1–3 years: selling, renovating, investing, or just wanting certainty.

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

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

Many people contribute the minimum and never revisit it.That might be fine — or it might be holding you back.A quick rev...
10/07/2026

Many people contribute the minimum and never revisit it.

That might be fine — or it might be holding you back.

A quick review can confirm you’re not missing easy wins like matching contributions and the right fund type.

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

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

Refinancing can also be about future plans.Renovation, investing, paying down faster — your loan should support that.If ...
24/06/2026

Refinancing can also be about future plans.

Renovation, investing, paying down faster — your loan should support that.

If the structure is wrong, you feel it every month.

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

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

Early retirement isn’t just about the number in your investments.It’s about what you spend, what you owe, and how stable...
17/06/2026

Early retirement isn’t just about the number in your investments.

It’s about what you spend, what you owe, and how stable your income sources are.

A good plan makes the unknowns smaller.

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

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

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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