Mortgage Rates are Falling
Mortgage rates are falling as markets believe monetary policy tightening will end sooner than originally expected. In other words, interest rate rises got ahead of themselves.
The graph below shows the 3yr swap rate which indicates bank funding costs have fallen 1% since the 16 June peak, (from 4.6% to 3.6%). If you are wondering what is the gap between swap rates and mortgage rates, it's called margin.
Call/email/message adviceHQ now to refix/refinance/restructure.
Live Q&A: Garden maintenance with Crewcut
This Wednesday, we're having another Neighbourly Q&A session. This time with John Bracewell from Crewcut.
John Bracewell, former Black Caps coach turned Franchisee Development Manager and currently the face of Crewcut’s #Movember campaign, knows a thing or two about keeping the grass looking sharp—whether it’s on a cricket pitch or in your backyard!
As a seasoned Crewcut franchisee, John is excited to answer your lawn and gardening questions. After years of perfecting the greens on the field, he's ready to share tips on how to knock your garden out of the park. Let's just say he’s as passionate about lush lawns as he is about a good game of cricket!
John is happy to answer questions about lawn mowing, tree/hedge trimming, tidying your garden, ride on mowing, you name it! He'll be online on Wednesday, 27th of November to answer them all.
Share your question below now ⬇️
Poll: When should the tree go up? 🎄
From what we've heard, some Christmas trees are already being assembled and decorated.
What are your thoughts on the best time to get your Christmas tree up?
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4.8% Second half of November
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43.6% 1st December
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17.7% A week before Christmas
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32.8% Whenever you wish
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1.1% Other - I'll share below
Poll: Should all neighbours have to contribute to improvements?
An Auckland court has ruled a woman doesn’t have to contribute towards the cost of fixing a driveway she shares with 10 neighbours.
When thinking about fences, driveways or tree felling, for example, do you think all neighbours should have to pay if the improvements directly benefit them?
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82.5% Yes
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14.6% No
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3% Other - I'll share below
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