Manage your home loan.

When it comes to home loans, it's not just about the interest rate — it’s about finding a structure that works for your goals. That’s exactly what Paul, an experienced Home Loan Expert, did for one of his local customers, Aroha*.

Aroha was looking to manage her repayments in a way that aligned with her financial milestones. Paul designed a loan structure that balanced flexibility with fixed security.

Here's how it worked:

A portion of the loan was kept as floating, allowing the customer to pay it off entirely within 12 months. Aroha then fixed $20,000 for one, two, three, and four year terms, with the remainder of the loan fixed for five years.

“Aroha was happy with this balance for a few reasons,” Paul shares. “After 12 months, when the first portion came off its fixed term, it would revert to floating. At that point, she could repay most of it using her work bonus, leaving a small balance to pay off over the next year.”

This staggered approach meant that as each fixed portion was due, it allowed Aroha to reassess, pay down more of the principal, and recalibrate her money before moving to the next phase.

Paul was thrilled to help. “It’s a good feeling to offer people more control and give them financial confidence.”

*Names have been changed to protect customers identity.

This information above does not take into account your personal financial situation or goals and is not a recommendation or opinion in relation to home loans. It is recommended you seek professional advice from your accountant, tax, legal, financial or other professional adviser.