We fixed most of ours, and a small amount capped. The capped mortgage allows extra payments without penalties, and if rates ever come down so will our rate.
We fixed for 3 years, 1 year ago. We went with Westpac as DF qualified for the government employees package as he's in the airforce. We got good savings on our rates, but their service is pretty average. We went thru Mortgage Brokers in Palmy and can't recommend them enough. Kiwibank was one with good rates, but lacking in service!?
I found Westpac's service was average too. Do you get the DTLS fleury? They lost our form but didn't tell us and we spent 2 months playing phone tag trying to get it sorted. Now that's 2 months worth of subsidy for us down the toilet
we are with BNZ. We were with National butdidnt like them....we are on fixed but have the flexibility to pay $300 more each fortnight .....we pay $200 extra, which is great because you see the principle loan go down.
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