Start with a Mortgage Loan That Works for You! | Farm Bureau Mortgage | Facebook

As 2025 comes to a close, we’re feeling incredibly proud and grateful 💙 From welcoming Rachel and Clare, celebrating Helen’s promotion to Director, building strong partnerships across the industry, to hitting 200 five-star reviews and our best year to date…this year has been truly special. Thank you to everyone who has supported us here at Hilltop. We can’t wait to continue helping you turn houses into homes in 2026 🏡✨ Hope everyone has a lovely New Year’s Eve! | Hilltop Mortgage Solutions

Most Kiwis sign a 30-year mortgage and think, “Well… that’s me locked in until retirement.” But here’s the truth no one tells you, the bank wants you to pay slowly. That’s how they make their money. But if you flip the script and make extra repayments, you can: ✅ Save $189,286 in interest ✅ Cut 7 years off your loan ✅ Reach financial freedom sooner than you thought possible It’s not about being rich or paying thousands extra every week. It’s about being smart. Small, consistent extra repayments