How to negotiate a killer mortgage

Jackson Hapeta, co-founder of Lenda, shares the moment he realised he was overpaying for his mortgage, and how that inspired him to found a business that helped everyone negotiate better.

Welcome to Making Cents, the podcast for people who want financial freedom without giving up their coffee..

I’m Frances Cook, an independent financial journalist and fellow financial freedom seeker who makes money simple for you.

Buying a house is one of the biggest financial moves most of us will ever make. But paying it off smartly? That’s where the real money is.

You could be spending thousands more on your mortgage than you need to, simply because nobody told you the tricks to get a better deal.

There’s the interest rate that's advertised, and then there’s the real rate — the one they might offer if you know exactly what to ask for.

There are also extra perks on the table (think cashbacks or fee waivers), but they often don’t mention them unless you bring it up.

So in this episode, I talk to someone who’s built a business around helping people negotiate like a pro — after realising his mates were quietly saving thousands just by playing the mortgage game better.

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Making Cents is supported by our friends at Kiwibank.