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Is our ‘low interest rate world’ the beginning of the end of money as we know it?

For now, competition from the minnows is keeping rates lower, but for how long?

There’s no doubt about it – the mortgage landscape has changed. Credit markets are tightening and rates have started to go up. So here’s the low down to help you make better decisions, whether that’s to borrow more or pay the mortgage off faster.

When it comes to your mortgage it pays to know it inside and out. After all, when such a large sum of money is at stake the last thing you want are surprises and unexpected costs.

When it comes to your home loan there's more than one way to skin a cat. There are different interest rates, loan structures, add-ons, repayment terms and a number of other options that fundamentally alter the way that you manage and repay your loan.

The reality is that the industry is looking to mortgage margins to restore profitability from a tough 2016.

Banks offering you cash for signing up a mortgage is a relatively new phenomenon, and one that won’t last much longer.

It’s that time of the year. Media commentators are lining up to provide a “guess” (aka forecast) as to what might happen this year. Our turn.

Banks are blaming higher mortgage rates on higher funding costs even with the OCR at historic lows. That’s a convenient half truth. There are three factors in play.

The cash rate has been cut once again by the Reserve Bank, but unlike previous cuts, this one has had a somewhat unexpected result: Many major banks aren't cutting their rates to match.

Eyeing up those record-low interest rates and thinking of refinancing your current mortgage? There are some pretty good reasons to refinance depending on your needs, but is it the right opportunity for you right now?

Commentators continue to talk up the property market and increasing prices almost at the chagrin of the RBNZ.