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	<title>Thorners &#187; Home Loans</title>
	<atom:link href="http://www.thorner.co.nz/category/home-loans/feed/" rel="self" type="application/rss+xml" />
	<link>http://www.thorner.co.nz</link>
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		<title>Sovereign Home Loan Fixed Rates Reduced&#8230;.</title>
		<link>http://www.thorner.co.nz/2012/01/29/sovereign-home-loan-fixed-rates-reduced/</link>
		<comments>http://www.thorner.co.nz/2012/01/29/sovereign-home-loan-fixed-rates-reduced/#comments</comments>
		<pubDate>Sun, 29 Jan 2012 22:59:53 +0000</pubDate>
		<dc:creator>Thorners</dc:creator>
				<category><![CDATA[Home Loans]]></category>
		<category><![CDATA[bank interest rates]]></category>
		<category><![CDATA[hawkes bay insurance broker]]></category>
		<category><![CDATA[Home Owner]]></category>
		<category><![CDATA[Home Ownership]]></category>
		<category><![CDATA[interest rates]]></category>
		<category><![CDATA[sovereign life insurance]]></category>
		<category><![CDATA[Wellington mortgages]]></category>

		<guid isPermaLink="false">http://www.thorner.co.nz/?p=1520</guid>
		<description><![CDATA[Sovereign have reduced their home loan interest rates across fixed rates for the 12 month, 24 month, 36 month, 48 month and 60 month terms.   Please see the old and new fixed interest rates below: Term Old Rate New Rate 12 months 5.80% 5.70% 24 months 6.00% 5.85% 36 months 6.30% 6.10% 48 months 6.70% 6.50% [...]]]></description>
			<content:encoded><![CDATA[<p>Sovereign have reduced their home loan interest rates across fixed rates for the 12 month, 24 month, 36 month, 48 month and 60 month terms.<br />
 <br />
Please see the old and new fixed interest rates below:</p>
<table border="0" cellspacing="0" cellpadding="0">
<tbody>
<tr>
<td width="216">
<p align="center"><strong>Term</strong></p>
</td>
<td width="240">
<p align="center"><strong>Old Rate</strong></p>
</td>
<td width="240">
<p align="center"><strong>New Rate</strong></p>
</td>
</tr>
<tr>
<td valign="top" width="216">
<p align="center">12 months</p>
</td>
<td valign="top" width="240">
<p align="center">5.80%</p>
</td>
<td valign="top" width="240">
<p align="center">5.70%</p>
</td>
</tr>
<tr>
<td valign="top" width="216">
<p align="center">24 months</p>
</td>
<td valign="top" width="240">
<p align="center">6.00%</p>
</td>
<td valign="top" width="240">
<p align="center">5.85%</p>
</td>
</tr>
<tr>
<td valign="top" width="216">
<p align="center">36 months</p>
</td>
<td valign="top" width="240">
<p align="center">6.30%</p>
</td>
<td valign="top" width="240">
<p align="center">6.10%</p>
</td>
</tr>
<tr>
<td valign="top" width="216">
<p align="center">48 months</p>
</td>
<td valign="top" width="240">
<p align="center">6.70%</p>
</td>
<td valign="top" width="240">
<p align="center">6.50%</p>
</td>
</tr>
<tr>
<td valign="top" width="216">
<p align="center">60 months</p>
</td>
<td valign="top" width="240">
<p align="center">7.10%</p>
</td>
<td valign="top" width="240">
<p align="center">6.90%</p>
</td>
</tr>
</tbody>
</table>
<p>Call us now on 04 5288 088 for more detail on what makes the Sovereign Go Home Loan such a great product for you!</p>
<p><span style="font-family: Arial, Tahoma, Verdana; line-height: normal; font-size: 12px; border-collapse: collapse; color: #202020;"> </span></p><p><strong><a href="/wp-content/uploads/Denis Thorner Disclosure Statement.pdf">Click here to view our disclosure statement.</a></strong></p><p><strong><a href="mailto:info@thorner.co.nz?subject=Website%20Enquiry">Click here to email Thorners or Call Us on (04) 528 8088</a></strong></p><p>&nbsp;</p>]]></content:encoded>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>January 2012 Newsletter</title>
		<link>http://www.thorner.co.nz/2012/01/24/january-2012-newsletter/</link>
		<comments>http://www.thorner.co.nz/2012/01/24/january-2012-newsletter/#comments</comments>
		<pubDate>Wed, 25 Jan 2012 01:53:04 +0000</pubDate>
		<dc:creator>Thorners</dc:creator>
				<category><![CDATA[Fire and General Insurance]]></category>
		<category><![CDATA[Home Loans]]></category>
		<category><![CDATA[Investments]]></category>
		<category><![CDATA[KiwiSaver]]></category>
		<category><![CDATA[Life Insurance]]></category>
		<category><![CDATA[Ansvar insurance]]></category>
		<category><![CDATA[Hawkes Bay Life Insurance]]></category>
		<category><![CDATA[Insurance Transfer]]></category>
		<category><![CDATA[interest rates]]></category>
		<category><![CDATA[Tower]]></category>
		<category><![CDATA[Tower Insurance]]></category>

		<guid isPermaLink="false">http://www.thorner.co.nz/?p=1515</guid>
		<description><![CDATA[Client below to read our first newsletter for 2012!!  January 2012 newsletter Click here to view our disclosure statement.Click here to email Thorners or Call Us on (04) 528 8088&#160;]]></description>
			<content:encoded><![CDATA[<p>Client below to read our first newsletter for 2012!! </p>
<p><a href="http://www.thorner.co.nz/wp-content/uploads/2012/01/January-2012-newsletter1.pdf">January 2012 newsletter</a></p>
<p><span style="font-family: Arial, Tahoma, Verdana; line-height: normal; font-size: 12px; border-collapse: collapse; color: #202020;"> </span></p><p><strong><a href="/wp-content/uploads/Denis Thorner Disclosure Statement.pdf">Click here to view our disclosure statement.</a></strong></p><p><strong><a href="mailto:info@thorner.co.nz?subject=Website%20Enquiry">Click here to email Thorners or Call Us on (04) 528 8088</a></strong></p><p>&nbsp;</p>]]></content:encoded>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>November Newsletter</title>
		<link>http://www.thorner.co.nz/2011/11/24/november-newsletter/</link>
		<comments>http://www.thorner.co.nz/2011/11/24/november-newsletter/#comments</comments>
		<pubDate>Thu, 24 Nov 2011 21:08:05 +0000</pubDate>
		<dc:creator>Thorners</dc:creator>
				<category><![CDATA[Fire and General Insurance]]></category>
		<category><![CDATA[Home Loans]]></category>
		<category><![CDATA[IBANZ]]></category>
		<category><![CDATA[Ansvar insurance]]></category>
		<category><![CDATA[Home Ownership]]></category>
		<category><![CDATA[Insurance]]></category>
		<category><![CDATA[Legal Fees]]></category>

		<guid isPermaLink="false">http://www.thorner.co.nz/?p=1503</guid>
		<description><![CDATA[Important update regarding Ansvar Insurance. Click here to view our disclosure statement.Click here to email Thorners or Call Us on (04) 528 8088&#160;]]></description>
			<content:encoded><![CDATA[<p>Important update regarding Ansvar Insurance.</p>
<p><span style="font-family: Arial, Tahoma, Verdana; line-height: normal; font-size: 12px; border-collapse: collapse; color: #202020;"> </span></p><p><strong><a href="/wp-content/uploads/Denis Thorner Disclosure Statement.pdf">Click here to view our disclosure statement.</a></strong></p><p><strong><a href="mailto:info@thorner.co.nz?subject=Website%20Enquiry">Click here to email Thorners or Call Us on (04) 528 8088</a></strong></p><p>&nbsp;</p>]]></content:encoded>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Sovereign Home Loan Mortgage rates:  recent decrease</title>
		<link>http://www.thorner.co.nz/2011/11/01/sovereign-home-loan-mortgage-rates-recent-decrease/</link>
		<comments>http://www.thorner.co.nz/2011/11/01/sovereign-home-loan-mortgage-rates-recent-decrease/#comments</comments>
		<pubDate>Wed, 02 Nov 2011 02:51:34 +0000</pubDate>
		<dc:creator>Thorners</dc:creator>
				<category><![CDATA[Home Loans]]></category>
		<category><![CDATA[Investments]]></category>
		<category><![CDATA[Home Loan interest rate options]]></category>
		<category><![CDATA[interest rates]]></category>
		<category><![CDATA[Low Mortgage Interest Rates]]></category>
		<category><![CDATA[Mortgage Interest Rates]]></category>
		<category><![CDATA[Mortgage Wellington]]></category>

		<guid isPermaLink="false">http://www.thorner.co.nz/?p=1495</guid>
		<description><![CDATA[Click the below link to view the new reduced interest rates offered by Sovereign Home Loans: https://www.sovereign.co.nz/story1200.aspx Click here to view our disclosure statement.Click here to email Thorners or Call Us on (04) 528 8088&#160;]]></description>
			<content:encoded><![CDATA[<p>Click the below link to view the new reduced interest rates offered by Sovereign Home Loans:</p>
<p><a href="https://www.sovereign.co.nz/story1200.aspx">https://www.sovereign.co.nz/story1200.aspx</a></p>
<p><span style="font-family: Arial, Tahoma, Verdana; line-height: normal; font-size: 12px; border-collapse: collapse; color: #202020;"> </span></p><p><strong><a href="/wp-content/uploads/Denis Thorner Disclosure Statement.pdf">Click here to view our disclosure statement.</a></strong></p><p><strong><a href="mailto:info@thorner.co.nz?subject=Website%20Enquiry">Click here to email Thorners or Call Us on (04) 528 8088</a></strong></p><p>&nbsp;</p>]]></content:encoded>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Chance to win a share of $15,000 to live the life you want&#8230;..</title>
		<link>http://www.thorner.co.nz/2011/09/01/chance-to-win-a-share-of-15000-to-live-the-life-you-want/</link>
		<comments>http://www.thorner.co.nz/2011/09/01/chance-to-win-a-share-of-15000-to-live-the-life-you-want/#comments</comments>
		<pubDate>Fri, 02 Sep 2011 04:43:29 +0000</pubDate>
		<dc:creator>Thorners</dc:creator>
				<category><![CDATA[Fire and General Insurance]]></category>
		<category><![CDATA[Home Loans]]></category>
		<category><![CDATA[Investments]]></category>
		<category><![CDATA[KiwiSaver]]></category>
		<category><![CDATA[Life Insurance]]></category>
		<category><![CDATA[apply online life insurance]]></category>
		<category><![CDATA[Hastings insurance broker]]></category>
		<category><![CDATA[hawkes bay insurance broker]]></category>
		<category><![CDATA[Home Ownership]]></category>
		<category><![CDATA[Mortgage Interest Rates]]></category>
		<category><![CDATA[sovereign life insurance]]></category>
		<category><![CDATA[Sovereign's Life's Choice competition]]></category>

		<guid isPermaLink="false">http://www.thorner.co.nz/?p=1477</guid>
		<description><![CDATA[Play the Sovereign Life&#8217;s Choice Game and be in to win a share of $15,000 to live the life you want. Visit Sovereign&#8217;s website www.sovereign.co.nz/chooselife/#/start to enter the competition and be in to win! If you are not currently a Sovereign client, contact us for Life Insurance quotes and to arrange an application now!  Sovereign also offer [...]]]></description>
			<content:encoded><![CDATA[<p>Play the Sovereign Life&#8217;s Choice Game and be in to win a share of $15,000 to live the life you want.</p>
<p>Visit Sovereign&#8217;s website <a href="https://www.sovereign.co.nz/chooselife/#/start">www.sovereign.co.nz/chooselife/#/start</a> to enter the competition and be in to win!</p>
<p>If you are not currently a Sovereign client, contact us for Life Insurance quotes and to arrange an application now!  Sovereign also offer very competitive home loan options that have no transactional fees.  If you are contemplating a new purchase or have a fixed rate rollover coming up, speak to us now about your options.</p>
<p>We are award winning insurance brokers who service clients nationwide, so if you desire service excellence, contact us for a full insurance review soon.</p>
<p><span style="font-family: Arial, Tahoma, Verdana; line-height: normal; font-size: 12px; border-collapse: collapse; color: #202020;"> </span></p><p><strong><a href="/wp-content/uploads/Denis Thorner Disclosure Statement.pdf">Click here to view our disclosure statement.</a></strong></p><p><strong><a href="mailto:info@thorner.co.nz?subject=Website%20Enquiry">Click here to email Thorners or Call Us on (04) 528 8088</a></strong></p><p>&nbsp;</p>]]></content:encoded>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Thorners August 2011 Newsletter</title>
		<link>http://www.thorner.co.nz/2011/09/01/thorners-august-2011-newsletter/</link>
		<comments>http://www.thorner.co.nz/2011/09/01/thorners-august-2011-newsletter/#comments</comments>
		<pubDate>Fri, 02 Sep 2011 04:33:04 +0000</pubDate>
		<dc:creator>Thorners</dc:creator>
				<category><![CDATA[Fire and General Insurance]]></category>
		<category><![CDATA[Home Loans]]></category>
		<category><![CDATA[Uncategorized]]></category>
		<category><![CDATA[contract works insurance]]></category>
		<category><![CDATA[Hastings insurance broker]]></category>
		<category><![CDATA[Hawkes bay insurance]]></category>
		<category><![CDATA[hawkes bay insurance broker]]></category>
		<category><![CDATA[Home Ownership]]></category>
		<category><![CDATA[home renovations]]></category>
		<category><![CDATA[Non-disclosure]]></category>

		<guid isPermaLink="false">http://www.thorner.co.nz/?p=1472</guid>
		<description><![CDATA[Lean about Contract Works requirements when doing rennovations on your house! Read our newsletter now if your looking for a new home for your mortgage? Click here to read our August newsletter. Click here to view our disclosure statement.Click here to email Thorners or Call Us on (04) 528 8088&#160;]]></description>
			<content:encoded><![CDATA[<p>Lean about Contract Works requirements when doing rennovations on your house!</p>
<p>Read our newsletter now if your looking for a new home for your mortgage?</p>
<p><a title="August 2011 Newsletter" href="http://www.thorner.co.nz/wp-content/uploads/2011/09/August-2011-newsletter.pdf" target="_blank">Click here to read our August newsletter.</a></p>
<p><span style="font-family: Arial, Tahoma, Verdana; line-height: normal; font-size: 12px; border-collapse: collapse; color: #202020;"> </span></p><p><strong><a href="/wp-content/uploads/Denis Thorner Disclosure Statement.pdf">Click here to view our disclosure statement.</a></strong></p><p><strong><a href="mailto:info@thorner.co.nz?subject=Website%20Enquiry">Click here to email Thorners or Call Us on (04) 528 8088</a></strong></p><p>&nbsp;</p>]]></content:encoded>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Mortgage Interest rate latest update</title>
		<link>http://www.thorner.co.nz/2011/07/24/mortgage-interest-rate-latest-update/</link>
		<comments>http://www.thorner.co.nz/2011/07/24/mortgage-interest-rate-latest-update/#comments</comments>
		<pubDate>Mon, 25 Jul 2011 02:34:20 +0000</pubDate>
		<dc:creator>Thorners</dc:creator>
				<category><![CDATA[Home Loans]]></category>
		<category><![CDATA[Investments]]></category>
		<category><![CDATA[bank interest rates]]></category>
		<category><![CDATA[Interest rate changes]]></category>
		<category><![CDATA[interest rates]]></category>
		<category><![CDATA[Low Mortgage Interest Rates]]></category>
		<category><![CDATA[Mortgage Interest Rates]]></category>
		<category><![CDATA[mortgages]]></category>
		<category><![CDATA[Sovereign Interest Rates]]></category>

		<guid isPermaLink="false">http://www.thorner.co.nz/?p=1465</guid>
		<description><![CDATA[Homeowners on floating interest rates should quickly look to lock in fixed rates before prices move up in coming months&#8230;. click here to read more regarding this.  (article supplied courtesy of Business.co.nz) Click here to view our disclosure statement.Click here to email Thorners or Call Us on (04) 528 8088&#160;]]></description>
			<content:encoded><![CDATA[<p>Homeowners on floating interest rates should quickly look to lock in fixed rates before prices move up in coming months&#8230;. click <a title="Times up for low floating mortgages" href="http://www.stuff.co.nz/business/money/5333268/Times-up-for-low-floating-mortgages" target="_blank">here </a>to read more regarding this.  (article supplied courtesy of Business.co.nz)</p>
<p><span style="font-family: Arial, Tahoma, Verdana; line-height: normal; font-size: 12px; border-collapse: collapse; color: #202020;"> </span></p><p><strong><a href="/wp-content/uploads/Denis Thorner Disclosure Statement.pdf">Click here to view our disclosure statement.</a></strong></p><p><strong><a href="mailto:info@thorner.co.nz?subject=Website%20Enquiry">Click here to email Thorners or Call Us on (04) 528 8088</a></strong></p><p>&nbsp;</p>]]></content:encoded>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Fuel prices rising again despite high NZ dollar, but Christchurch again spared from the hike.</title>
		<link>http://www.thorner.co.nz/2011/06/14/fuel-prices-rising-again-despite-high-nz-dollar-but-christchurch-again-spared-from-the-hike/</link>
		<comments>http://www.thorner.co.nz/2011/06/14/fuel-prices-rising-again-despite-high-nz-dollar-but-christchurch-again-spared-from-the-hike/#comments</comments>
		<pubDate>Wed, 15 Jun 2011 01:45:11 +0000</pubDate>
		<dc:creator>Thorners</dc:creator>
				<category><![CDATA[Fire and General Insurance]]></category>
		<category><![CDATA[Home Loans]]></category>
		<category><![CDATA[Investments]]></category>
		<category><![CDATA[KiwiSaver]]></category>
		<category><![CDATA[Life Insurance]]></category>
		<category><![CDATA[Christchurch]]></category>
		<category><![CDATA[Christchurch Earthquake]]></category>
		<category><![CDATA[NZ Dollar]]></category>
		<category><![CDATA[Petrol Prices]]></category>
		<category><![CDATA[Price Increase]]></category>

		<guid isPermaLink="false">http://www.thorner.co.nz/?p=1368</guid>
		<description><![CDATA[Read the latest stuff.co.nz news article on Petrol Price rise. Click here to view our disclosure statement.Click here to email Thorners or Call Us on (04) 528 8088&#160;]]></description>
			<content:encoded><![CDATA[<p>Read the latest stuff.co.nz news article on <a title="Petrol Price Rise" href="http://www.stuff.co.nz/business/money/5144917/Petrol-goes-up-except-in-Christchurch" target="_blank">Petrol Price </a>rise.</p>
<p><span style="font-family: Arial, Tahoma, Verdana; line-height: normal; font-size: 12px; border-collapse: collapse; color: #202020;"> </span></p><p><strong><a href="/wp-content/uploads/Denis Thorner Disclosure Statement.pdf">Click here to view our disclosure statement.</a></strong></p><p><strong><a href="mailto:info@thorner.co.nz?subject=Website%20Enquiry">Click here to email Thorners or Call Us on (04) 528 8088</a></strong></p><p>&nbsp;</p>]]></content:encoded>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Do you only have 10% deposit but want to buy a house now&#8230;?</title>
		<link>http://www.thorner.co.nz/2011/02/03/do-you-only-have-10-deposit-but-want-to-buy-a-house-now/</link>
		<comments>http://www.thorner.co.nz/2011/02/03/do-you-only-have-10-deposit-but-want-to-buy-a-house-now/#comments</comments>
		<pubDate>Fri, 04 Feb 2011 01:04:42 +0000</pubDate>
		<dc:creator>Thorners</dc:creator>
				<category><![CDATA[Home Loans]]></category>
		<category><![CDATA[Hawkes Bay Mortgage Broker]]></category>
		<category><![CDATA[Home Ownership]]></category>
		<category><![CDATA[Homeloan Finance]]></category>
		<category><![CDATA[KiwiSaver Home Deposit Subsidy]]></category>
		<category><![CDATA[Low Deposit]]></category>
		<category><![CDATA[Wellington Mortgage Broker]]></category>

		<guid isPermaLink="false">http://www.thorner.co.nz/?p=1227</guid>
		<description><![CDATA[Now you may be able to! Many lenders have recently changed their criteria and now 90% and sometimes even 95% home loans can be approved (subject to meeting lenders criteria). Contact us today to discuss your situation and how we may be able to help you get into your first home sooner than you think! Click [...]]]></description>
			<content:encoded><![CDATA[<p>Now you may be able to!</p>
<p>Many lenders have recently changed their criteria and now 90% and sometimes even 95% home loans can be approved (subject to meeting lenders criteria).</p>
<p>Contact us today to discuss your situation and how we may be able to help you get into your first home sooner than you think!</p>
<p><span style="font-family: Arial, Tahoma, Verdana; line-height: normal; font-size: 12px; border-collapse: collapse; color: #202020;"> </span></p><p><strong><a href="/wp-content/uploads/Denis Thorner Disclosure Statement.pdf">Click here to view our disclosure statement.</a></strong></p><p><strong><a href="mailto:info@thorner.co.nz?subject=Website%20Enquiry">Click here to email Thorners or Call Us on (04) 528 8088</a></strong></p><p>&nbsp;</p>]]></content:encoded>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Thorners January 2011 Newsletter</title>
		<link>http://www.thorner.co.nz/2011/01/24/thorners-january-2011-newsletter/</link>
		<comments>http://www.thorner.co.nz/2011/01/24/thorners-january-2011-newsletter/#comments</comments>
		<pubDate>Tue, 25 Jan 2011 01:18:24 +0000</pubDate>
		<dc:creator>Thorners</dc:creator>
				<category><![CDATA[Home Loans]]></category>
		<category><![CDATA[Life Insurance]]></category>
		<category><![CDATA[Debt consolidation]]></category>
		<category><![CDATA[Home Loan refinance]]></category>
		<category><![CDATA[Savings plan]]></category>
		<category><![CDATA[Sentinel Home Equity Release]]></category>

		<guid isPermaLink="false">http://www.thorner.co.nz/?p=1193</guid>
		<description><![CDATA[Click to see Thorners latest  Jan 2011 newsletter on how to financially assist any  parents or senior family members who may own their own home but are struggling with finances , how to consolidate your finances into your home loan and to start a savings plan for next chritmas.  Let us know if we can assist you [...]]]></description>
			<content:encoded><![CDATA[<p>Click to see Thorners latest  <a href="http://www.thorner.co.nz/wp-content/uploads/2011/01/Jan-2011-newsletter.pdf">Jan 2011 newsletter</a> on how to financially assist any  parents or senior family members who may own their own home but are struggling with finances , how to consolidate your finances into your home loan and to start a savings plan for next chritmas. </p>
<p>Let us know if we can assist you further.</p>
<p><span style="font-family: Arial, Tahoma, Verdana; line-height: normal; font-size: 12px; border-collapse: collapse; color: #202020;"> </span></p><p><strong><a href="/wp-content/uploads/Denis Thorner Disclosure Statement.pdf">Click here to view our disclosure statement.</a></strong></p><p><strong><a href="mailto:info@thorner.co.nz?subject=Website%20Enquiry">Click here to email Thorners or Call Us on (04) 528 8088</a></strong></p><p>&nbsp;</p>]]></content:encoded>
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