(#49) This Hack Will Help You Take 11 Years Off Your Mortgage (Guest: Ryan Smuts - Kris Pedersen Mortgages & Insurance)

In this conversation, Iyia interviews Ryan Smuts, a mortgage
broker and partner at Kris Pedersen Mortgages. Ryan shares his
journey into the mortgage industry, discusses current market
trends, and debunks common myths about mortgages. He provides
insights into strategies for paying off mortgages faster,
navigating property investment as a single buyer, and the
emotional challenges of home buying. The discussion also covers
the future of the New Zealand property market, the differences
between commercial and residential properties, and the role of
non-bank lending. Ryan concludes with practical tips for aspiring
property investors.





Keywords


mortgage, property investment, interest rates, home buying,
non-bank lending, first home buyers, mortgage myths, investment
strategies, New Zealand property market, commercial property





Takeaways


The current market is seeing a shift with interest rates
potentially decreasing.



Many people believe fixed-rate mortgages are the best option,
but this isn't always true.



Paying off a mortgage faster can be achieved through creative
strategies like renting out rooms.



First home buyers face challenges primarily due to high rents
and deposit requirements.



Emotional resilience is crucial for home buyers facing
repeated disappointments.



The New Zealand property market is expected to continue its
upward trend in the long term.






https://www.krispedersen.co.nz/about/ryan-smuts/


https://www.makeithappen.org.nz/




















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