To choose the best time to lock in your mortgage rate, you need to get three things right:

How much will rates change?

Which direction will rates go,

and when will the rates change.

It may seem like a lot of work, but think of the potential reward - if you timed it right at the bottom of the interest rate cycle, you would still be paying less than 3% with almost two years to go. Read more here.

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Sign up to New Wealth Foundations here: Personal finance from a wealth-builder's perspective.

Thanks to Easy Crypto, New Zealand's most trusted crypto brand and what Darcy Ungaro uses.

Book in a free 15-min phone call with Darcy Ungaro (financial adviser)- click on this link.

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Disclaimer: Please act independently from any content provided in these episodes; it's not financial advice, because there's no accounting for your individual circumstances. Do your own research, and take a broad range of opinions into account. Ideally, engage a financial adviser and pay for advice!