Each week the NZ Herald and Newstalk ZB's Cooking The Books podcast tackles a different money problem. Today, it's the third episode of our OneRoof-partnered series, looking at the tricks to negotiating a mortgage which could save you thousands. Hosted by Frances Cook.

Saving up for a house is one thing, but then actually paying it off is entirely another.

A mortgage interest rate may look small, with some rates currently under 4 per cent.

That's an incredible deal, but there's a reason the banks are willing to give it to you.


Over the course of a 30-year mortgage, that