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Not all mortgages work the same way.

Table loans, revolving credit, offset loans and interest-only lending each have different features, advantages and trade-offs. The right structure will depend on how you manage your money, your goals and your wider financial circumstances.

This helpful guide from Sorted explains the main mortgage types available in New Zealand and how they work.

Different types of mortgages and how they work There are many types of mortgage, each with its own interest rate, fees & flexibility. Learn about fixed & floating interest rates, repayments & structures.

Could paying off your mortgage help make retirement more manageable?

For many people, retiring without home loan repayments can mean fewer regular commitments, less exposure to future interest rate changes, and more flexibility in how retirement income is used.

But deciding whether to prioritise mortgage repayments or investing will depend on your circumstances, goals and timeframes.

Our article looks at how your mortgage can affect retirement planning and some of the options worth considering: https://tinyurl.com/bdywejtr

Investing can feel complicated when you are just getting started, but the first step does not need to be a big one.

Before choosing an investment, it helps to think about what you are investing for, how long your money can stay invested and how comfortable you are with market ups and downs. Starting with a small, regular amount can still make a meaningful difference over time.

This article explains some of the basics, including goals, risk, diversification and the value of staying focused on the longer term: https://tinyurl.com/53pkhvbc

Money stress can be difficult to think about clearly, especially when several financial pressures are building at once.

Identifying the main source of concern, getting a clearer view of your finances and making a manageable plan can help you feel more in control.

This article looks at some practical steps that may help ease financial stress, and explains how advice can provide a clearer path forward. https://tinyurl.com/4rtyryt4

Your home, car and KiwiSaver account may come to mind when you think about your financial assets. But your ability to earn an income could be the most valuable of all.

This article looks at why protecting your income may matter, how income protection can work alongside other types of insurance, and the options available to tailor cover to your circumstances and budget. https://tinyurl.com/3vku9j42

Your KiwiSaver account may be with you for much of your working life, but it should not be something you simply set and forget.

Changes such as starting a new job, receiving a pay rise, buying a first home, having a child or approaching retirement can all be good reasons to review your contribution rate, fund choice and risk settings.

This article looks at the key times to check that your KiwiSaver investment still reflects your circumstances and longer-term goals: https://tinyurl.com/5c537tvn

Rising everyday costs can make it harder to keep track of where your money is going.

A useful first step is to review your income, expenses, and regular payments. Even small changes can help create a bit more flexibility over time.

Sorted’s budget planner is a helpful free online tool that can help you map out your spending and get a clearer picture of your budget.

For support with your wider financial plan, including insurance, KiwiSaver, mortgages, or retirement planning, speak to a SHARE adviser.

Budget planner Budgets are simple plans for your spending and saving, and this tool lets you easily chart your incomings and outgoings to get the most out of your money.

Retirement planning does not always follow a straight line.

Career changes, time out of the workforce, relationship changes, business ownership, or income fluctuations can all affect how retirement savings build over time.

But being “off track” does not mean it is too late to make progress.

A SHARE adviser can help you look at where you are now, what income you may need in retirement, and what steps could help you move forward from here.

Read more: https://tinyurl.com/2kv8wetn

If your home loan is coming up for refixing, it can be hard to know which term to choose.

A shorter fix may offer more flexibility, while a longer fix may give you more certainty around repayments. For some people, splitting a loan across different terms may also be worth considering.

The right option depends on your cashflow, future plans, and what is happening in your wider financial life.

A SHARE mortgage adviser can help you compare your options and choose a structure that works for your situation.

Read more: https://tinyurl.com/4h7uf6yt

Your income helps keep life moving.

If you were unable to work for a period, would your current cover help protect the things that matter most?

Our article looks at how personal insurance may help support your lifestyle, family and financial commitments when the unexpected happens.

https://tinyurl.com/4yf37xcd