All in Banks

Margin Lending - Borrowing money to invest in shares.

Borrowing money to buy shares is something that I don’t hear about that often and I have only really come across a small handful of examples of it in the last couple of years of blogging. Whereas we borrow vast sums of money all day long to get into the housing market, without the word ‘risk’ ever really being used, when we borrow money to buy into securities our first instincts are concern and fear.

Offset Mortgages. Really?

Because I threw off the shackles of debt some time ago I have become a little out of touch with mortgages. I’ve had enough emails about “Offset Mortgages” to make me think that this is something I need to look into because there are obviously a few of you out there who either use this system of banking or want to know what it is all about. This blog post may ruffle a few feathers...

House Building 101

The slow moving trainwreck that is the NZ housing market continues on unabated. Those wanting a first home can’t buy one because those owning many homes keep buying them to rent them out to those wanting to buy a first home but can’t afford them…