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Fix or float? It’s one of the biggest decisions you’ll make on your mortgage — and it can cost (or save) you thousands. In this video, we explain the difference between fixed and floating mortgage rates in New Zealand, who each one suits, and how your repayment strategy should change depending on your income, goals, and life plans. • The pros and cons of fixed vs floating mortgages • How fixed rates are determined and why break fees exist • Who floating rates are really designed for • How to calculate the interest portion of your repayment • When a floating rate can save you years off your mortgage Bonus: Watch real examples with numbers and learn how a nurse using overtime income could fast-track their debt-free goal. Book a Scenario Planning Session with Blueprint: https://blueprintfinance.co.nz/ Got a complex situation? We love digging into the numbers. Reach out anytime.