Strategy 4 min
Tranche strategy: spreading interest rate risk
How to split your mortgage into several tranches with different terms, spread interest rate risk and avoid typical drawbacks when switching banks.
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Guide
Mortgages clearly explained.
Factual articles with worked examples on the questions that come up most often when buying a home or renewing a mortgage.
6 articles found
Tax 4 min
Imputed rental value and mortgage interest in your tax return
Imputed rental value, interest deductions and maintenance: how the current system works, what the approved system change alters and what it means for amortisation.
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Buying 4 min
The 33 per cent rule explained simply
How banks calculate the affordability of a mortgage: imputed interest, amortisation and ancillary costs in relation to income, with a worked example.
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Equity 5 min
Pension fund: advance withdrawal or pledge?
Advance withdrawal or pledge of pension fund assets for home ownership: rules, taxes, effects on your retirement provision and affordability, plus a worked example.
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Renewal 5 min
Renewing your mortgage: how to time your follow-on financing
When to compare offers for an expiring mortgage, consider a forward mortgage and observe notice periods so that your follow-on financing goes smoothly.
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Strategy 5 min
SARON or fixed-rate mortgage: what suits whom in 2026
SARON mortgage or fixed-rate mortgage? How both models work, what they cost in 2026 and which option suits your situation and appetite for risk.
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