The right mortgage structure can shave years off your loan. The wrong one? It can trap you.

Francis Cook, the financial journalist, recently shared her thoughts on mortgages and common mistakes – and our mortgage team agree.

Too often, people focus only on chasing the lowest interest rate—without thinking about whether the structure suits their lifestyle and the way they manage money.

The truth is, the right mortgage isn’t just about the rate. It’s about finding a setup that actually works for you from the very beginning.

Are you someone who pays off debt quickly and hates owing money?
You might benefit from a more flexible structure that lets you make extra repayments easily.

Prefer certainty and routine?
You may need something that gives you stability and control.

At Castle Trust Financial Planning, we know your mortgage isn’t a one-time decision. It’s a tool, one that should match your financial habits, and adapt as your life changes.

That’s why we take time to understand your goals and how you manage money before recommending a structure. We work with a wide range of New Zealand lenders, so you’re not stuck with a cookie-cutter option.

Start smart, with a mortgage that’s built around you. If you are thinking about mortgages talk to us today.