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 further.

Tags: Debt consolidation, Home Loan refinance, Savings plan, Sentinel Home Equity Release

Effective from 8 November 2010 the Senitinel Lifetime Loan interest rate will reduce to 7.20% p.a. which continues to make the Sentinel Lifetime Loan a great choice for any retired New Zealander’s struggling with their cash flow.

Contact Thorners if you need finer details on the loan and how it may work for yourself or your parents.

Experience the Thorners “no fuss” planned approach to financial freedom and protection

Tags: Grey Power news, reverse mortgage, senior net news, Sentinel LifeTime Loan, sentinel loan, Super Gold Card Holder supplier, Wellington mortgages

Contact Thorners now if you may need a Sentinel Lifetime Loan before Christmas to allow time for it to be processed.

We are happy to discuss the options with you.

Tags: Grey Power news, Home equity release, Retirement funding, reverse mortgage nz, Sentinel Lifetime Loan interest rate

Effective from 9 August 2010 the Senitinel Lifetime Loan interest rate will be 7.30% p.a. which continues to make the Sentinel Lifetime Loan a great choice for any retired New Zealander’s struggling with their cash flow.

Contact Thorners if you need finer details on the loan and how it may work for yourself or your parents.

Experience the Thorners “no fuss” planned approach to financial freedom and protection

Tags: ASB reverse mortage, Grey Power news, Home equity release, Retirement planning, SBS Home Equity Release, Sentinel Lifetime Loan interest rate

If you are considering a Sentinel Lifetime loan or just thinking about home equity release then there are some wise words to consider from this link.

Equity release.

Speak with Thorners if you have any questions.

Tags: Home Loans, increasing retirement cashflow, reverse mortgage, senior net news, Sentinel LifeTime Loan

Effective from 1 July 2010 Sentinels Lifetime loan interest rate will be 7.10% p.a.

This reflects the current market and continues to make the Sentinel Lifetime Loan a great choice for any retired New Zealander’s struggling with their cash flow.

Contact Thorners if you need finer details on the loan and how it may work for yourself or your parents.

Experience the Thorners “no fuss” planned approach to financial freedom and protection
www.thorner.co.nz

Tags: Home Loans, increasing retirement cashflow, reverse mortgage, senior net news, Sentinel LifeTime Loan

Effective from 22 March 2010 Sentinel are reducing their Lifetime loan interest rate down to 6.70% p.a.

This reflects the current market and continues to make the Sentinel Lifetime Loan a great choice for any retired New Zealander’s struggling with their cash flow.

Contact Thorners if you need finer details on the loan and how it may work for yourself or your parents.

Experience the Thorners “no fuss” planned approach to financial freedom and protection
Call us today on (04) 528 8088 or www.thorner.co.nz

Tags: increasing retirement cashflow, Mortgage Interest Rates, reverse mortgage, RSA, senior net news, Sentinel LifeTime Loan

Effective from 18 December 2009 Sentinel are reducing their Lifetime loan interest rate down to 6.80% p.a.

This reflects the current market and continues to make the Sentinel Lifetime Loan a great choice for any retired New Zealander’s struggling with their cash flow.

Contact Thorners if you need finer details on the loan and how it may work for yourself or your parents.

Experience the Thorners “no fuss” planned approach to financial freedom and protection
Call us today on (04) 528 8088 or www.thorner.co.nz

Tags: Clearing mortgages in retirement, Credit card debt in retirement, funding retirement, increasing retirement cashflow, reverse mortgage, Sentinel LifeTime Loan

Circumstances change quickly in the current financial environment and you may be unaware that the recent mortgage interest rate changes announced on 9 September have widened the gap between short and long term fixed interest rates.  This reflects the changing cost of offshore funds which banks rely on to supplement the funds their local depositors place with them. There has been an easing in the cost of shorter term offshore funding but there is also significant competition in the New Zealand deposit market, which continues to push the rates higher than they would otherwise be.

 The result is regular reviews of your mortgage have become more important than ever.  Not just to ensure ongoing affordability, but more importantly, to ensure that the structure is appropriate to your current and future needs and goals.

While having some of your mortgage on a floating rate offers flexibility, it is a facility more suited to those who are in a position to place bulk sums into it to reduce their overall lending to obtain the resulting interest savings, even if only for short periods of time.

Unless you are in a position to clear the majority of your floating rate loan in the short term, it may be more appropriate to change some to a fixed interest rate to provide some certainty going into the future.  I do not have a crystal ball but the NZ Treasury predict that short term rates will remain low for the next year and Bank’s have been speculating floating rates will rise back to the 8% level over the next two years.

 Now is also good time to check that you are financially protected and prepared for life’s events – planned or unexpected and ultimately I want to help to keep your home in your hands. The last thing you want to see is your home slipping out of your hands, should you be unable to meet your loan repayments. If you died, would you leave behind enough resources to pay off your home loan and safeguard your dependants’ future?

 I am available to discuss your investment, insurance, mortgage and KiwiSaver needs in what is a difficult time for many of us at the moment so please feel free to contact me anytime if you have any questions. My personal email is denis@thorner.co.nz or ph 04 528 8088.

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Click here to email Thorners or Call Us on (04) 528 8088

Tags: Hawkes Bay Life Insurance, Home Loans, Interest rate changes, Kiwi, KiwiBank Home Lending, Mortgage Interest Rates, Wellington mortgages

Mortgage rates alter again effective from today so always get advice before chosing your fixed or floating options.

The new interest rate structures released this afternoon by several lenders reflects the changing cost of offshore funds, which banks rely on to supplement the funds their local depositors place with them.

There has been an easing in the cost of shorter term offshore funding rates but there was also significant competition in the New Zealand deposit market, which was pushing these rates higher than they would otherwise be.

Call Denis for free confidential home loan advice on 0274 575 190 or contact the office using the contacts below.  Denis services clients NZ wide.
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Click here to email Thorners or Call Us on (04) 528 8088

Tags: bank interest rates, bank lending rates, Home Loans, mortgage brokers Wellington, Mortgage Interest Rates, Napier mortgage brokers