Interest rates have been a hot topic recently, following the first OCR cut in years. 

The question now at the front of everyone's minds is whether it's time for a long-term fixed rate to avoid any more uncertainty, or to hold off in the hope for more cuts to come. 

Economist Ed McKnight joins Tim Beveridge on The Weekend Collective to discuss how you can haggle with your bank to get a better deal. 

LISTEN ABOVE

Interest rates have been a hot topic recently, following the first OCR cut in years. 
The question now at the front of everyone's minds is whether it's time for a long-term fixed rate to avoid any more uncertainty, or to hold off in the hope for more cuts to come. 
Economist Ed McKnight joins Tim Beveridge on The Weekend Collective to discuss how you can haggle with your bank to get a better deal. 
LISTEN ABOVE

Home is where the heart is, and there’s no question that Kiwis LOVE property. Newstalk ZB’s OneRoof Radio Show is a full-house of property talk, tips and tricks. 

Leading industry experts join us to discuss and debate the latest in market trends, investments, DIY and much more. Step inside The OneRoof Radio Show and make yourself at home.

Home is where the heart is, and there’s no question that Kiwis LOVE property. Newstalk ZB’s OneRoof Radio Show is a full-house of property talk, tips and tricks. Leading industry experts join us to discuss and debate the latest in market trends, investments, DIY and much more. Step inside The OneRoof Radio Show and make yourself at home.

Home is where the heart is, and there’s no question that Kiwis LOVE property. Newstalk ZB’s OneRoof Radio Show is a full-house of property talk, tips and tricks. Leading industry experts join us to discuss and debate the latest in market trends,...

The OneRoof Radio Show

Ed McKnight: How to haggle your interest rate

https://api.omny.fm/orgs/7784f840-c291-422a-924b-ad9000bbad71/clips/939a3b81-852f-49d3-94c6-b1d600556f76/transcript

For a long time, the kiwi dream has been to do whatever it takes to get onto the property ladder and work your way up from there, but some investors are moving away from that advice - instead suggesting that it might be a better idea to rent and put your money elsewhere. 

It's not just the cost of the property and the mortgage repayments. You're paying to maintain the property in a way you wouldn't be if it were a rental, you're covering rates, insurance, and all the other little costs that add up pretty quickly. 

That's money that some investors argue could be spent on investments, or on a rental of your own that would at least bring some return. 

LISTEN ABOVE

For a long time, the kiwi dream has been to do whatever it takes to get onto the property ladder and work your way up from there, but some investors are moving away from that advice - instead suggesting that it might be a better idea to rent and put your money elsewhere.&nbsp;
It's not just the cost of the property and the mortgage repayments. You're paying to maintain the property in a way you wouldn't be if it were a rental, you're covering rates, insurance, and all the other little costs that add up pretty quickly.&nbsp;
That's money that some investors argue could be spent on investments, or on a rental of your own that would at least bring some return.&nbsp;
LISTEN ABOVE

Ed McKnight: Is it still worth buying a house?

https://api.omny.fm/orgs/7784f840-c291-422a-924b-ad9000bbad71/clips/c4c708f2-9cb9-41fb-a257-b41b0041c1bb/transcript

It's pretty common these days when buying a house to throw in a couple conditions with your offer. 

You're going to want a building report, your bank may want a property valuation before they agree to insure the property, and most commonly - you may need to sell your home first before your able to settle on the next one. 

But for a seller, any one of these could be a deal breaker - and could mean a lower offer is accepted over yours just because it's unconditional. 

LISTEN ABOVE

It's pretty common these days when buying a house to throw in a couple conditions with your offer.&nbsp;
You're going to want a building report, your bank may want a property valuation before they agree to insure the property, and most commonly - you may need to sell your home first before your able to settle on the next one.&nbsp;
But for a seller, any one of these could be a deal breaker - and could mean a lower offer is accepted over yours just because it's unconditional.&nbsp;
LISTEN ABOVE

Campbell Dunoon: Is a conditional offer ruining your house-buying chances?

https://api.omny.fm/orgs/7784f840-c291-422a-924b-ad9000bbad71/clips/fc8fa0ea-4605-4d2d-a21b-b414004755e4/transcript

Who hasn't at some stage in their life been a landlord or tenant?

For many people, it's the first time they have to think about contracts and legal obligations - but are there red flags which should have you as a landlord rejectying a particuolar tenant - and like wise as a tenant that have you looking for somewhere else to live.

LISTEN ABOVE

Who hasn't at some stage in their life been a landlord or tenant?
For many people, it's the first time they have to think about contracts and legal obligations - but are there red flags which should have you as a landlord rejectying a particuolar tenant - and like wise as a tenant that have you looking for somewhere else to live.
LISTEN ABOVE

Mike Atkinson: Red flags tenants and landlords miss

https://api.omny.fm/orgs/7784f840-c291-422a-924b-ad9000bbad71/clips/22fdfb71-e1c8-4053-9c20-b40d0049f148/transcript

Ed McKnight: How to haggle your interest rate

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