I'm 25, married, earning just over $62,000 a year, living in Auckland. In order for my wife and I to buy a property to live in, I would need a deposit of between $50,000 to $100,000. That alone is no small feat.  

I have purchased three rental properties (all in good areas) over the past three years. In each case I put in a 25 per cent cash deposit (saved by working weekends as long as I can remember) and borrowed the balance. The mortgages were amortised over 15 years.  

My husband and I have saved a $120,000 deposit for a property. My husband is going to be returning to study for the next three years and so we will be a one-income family, on around $110,000.

My husband and I, in our 30s, both work for the government with combined income of $180,000 annually. But I am looking at going part-time later this year to start a family. That will reduce our pay to $120,000.

I am a 65-year-old immigrant, my wife is 59. Ten years ago we bought a property. On a realistic basis its value should be $360,000 to $380,000. My mortgage is $105,000.

I made some silly decisions as a student and I am paying of the National Bank to the tune of 10K through Baycorp.

I'm interested in ways to painlessly reduce mortgages. I'm aware of ways of structuring a home loan so that you can pay it off faster. In a scenario often postulated and oversold by mortgage brokers, you could in theory pay off your loan in 10 years instead of 25 years.

I am a lawyer and I see many mortgages. Some years ago a client of mine brought in his broker to explain the how mortgage savings work.

We have kept an interest-only mortgage on our rental property on advice we received two years ago that it was better to keep the mortgage on a rental property to gain the tax breaks.

What do I need to know about no-deposit home loans?

Should I make fortnightly or monthly home loan payments?

Does it make sense to combine my debts?