Heartland Bank - mortgages

[donna]

Hi everyone,

Keen to know if you’ve had a mortgage with Heartland bank and what was your experience?

There rates are much lower than the big banks.

I have a loan coming off fixed and need to look around for best deal.

cheers

Donna

[den267]

Currently buying ex wife out of current home in Auckland mortgage will be 561k when I take ownership, in 6-8 months we will be selling investment property hoping to come out with 200k or more, I was thinking fixed for 6 months then paid down some of the loan maybe 50k-100k then refix longer or should...

[Rosco]

...

[PC]

If a bare section of 400 square metres in Flat Bush sells for $800,000, no amount of tinkering with free school lunches and free period products will make any significant difference to the stress which very large numbers of New Zealand households are under – both those who are paying rent and those

...

[Chelsea]

My loan expires in beginning of Jan 2020, should I wait for next OCR review, which will be in 12th Feb (correct if I'm wrong), should I wait for next review?
I think it's likely to drop again, your view?

[King13]

Hi - can someone give an idea about fixed and floating commercial loan interest rates?

We have had variable rate mortgage for some time and interest has been about 5.3 - 5.6 %.

Cheers.

[Morrieaga]

Hi All,

I am wondering how others are getting on with negotiating commercial lending rates from the main banks at the moment.

I have a couple of small commercial properties (retail) with a combined LVR <50% and lease payments >2x interest payments, and whereas 4% rates...

[rvrprop]

Hi,

Whats your experience with TSB bank, are they competitive on rates, everyday banking?

Any idea on their 2-3 year rates.

Thank you for your feed backs

[Hookway]

Hello All

Are there any recommendations for low doc loans?
I can go to about 50% deposit, am purchasing land, but would prefer a liveable interest rate (8% would be good)

Any comments?

[Perry]

NZers are constantly berated about their poor savings habits. But why would anyone bother? Attending recently to my mother's bank account, I found that her on-line saver was paying 0.5% interest, so I moved it to an account paying 2% interest.

What or who is to blame for making saving such...

[kjoshi]

Hi, this might be a re-occuring question but I will ask it anyway since I am at this cross-road at the moment.

I have home loan 500k + and investment loan 300K+ both are on floating at the moment. Question is how long should I fix both of them for considering short and long term interest...

[Judge]

One question really puzzles me at the moment, and i wonder what the learned and respected folks on this forum think on this topic.

Whenever interest rates were discussed in the past the discussion has always been around where we are in the cycle of interest rates. If the rates are very...

[Giddy]

Hi All,

We purchased our house in January, and fixed for 3 years at 5.59%.. we now see interest rates decreased down to 4.79% for the same term. Does anyone have any advice for talking to our bank (prefer to stay) to get a lower interest rate without having to pay any (no more than minimal)...

[chand]

I have a mortgage of $300K at a fixed rate of 4.99% finishing up in November this year.

The plan for me has always been to sell this property in 2017, so I would be looking to refix for 3 years. With the OCR projected to rise 0.25 every quarter, I am assuming banks current fixed rates will...

[ithink]

I have been told in the past that Kiwibank does not ever lower their advertised headline rate in order to do a deal for a customer. Given that their headline rate is always quite competitive, I wonder if it comes down to how the negotiations go!?
Any do's and don'ts there when it comes to negotiations??...