Are You Sleeping OK?

Be honest — how are you sleeping these days?

You wouldn’t be alone if the answer is: not well.

For many homeowners and investors, the past couple of years have felt like one long headache. Interest rates climbed fast, property values dipped, and the steady upward run everyone got used to has turned into uncertainty and restless nights.

Mortgages that once felt comfortable now bite a big chunk out of the pay packet. Rent returns haven’t kept pace with rates and expenses. And every news headline seems to say “just hold on a bit longer” - easier said than done when the bank account says otherwise.

You’re Not Alone. There Are Options.

Here’s the thing: markets always move in cycles. Yes, this one is tough, but nothing stays down forever. The smart move is to protect your position now so you’re still standing when confidence returns.

That might mean:

• Restructuring debt creatively

• Refinancing to buy time

• Offloading an underperforming property before it drags you under

• Switching rental strategy to boost short-term income

• Exploring a joint venture or equity partner

The point is: you do have options.

Talk Before You Toss and Turn Again Tonight

If the late-night worry is creeping in, don’t sit there staring at the ceiling alone. I’ve been through downturns before and I know the tricks, the traps, and what banks do (and don’t) want to hear.

Sometimes a fresh pair of eyes and a practical plan can be the difference between losing sleep and sleeping easy.

If you’d like a confidential chat about what you can do now to hold steady until the recovery kicks in, get in touch any time. No judgment, no push, just real options and clear advice.

Craig Watkins Mint Real Estate 021 308 021 www.mintre.co.nz