ALL BORROWERS

I work with borrowers of all types to help you secure the best mortgage for your situation.

Every type of mortgage is unique and requires different considerations for lenders.

Your lending criteria may not fall into any of these categories, and that’s alright.

I am still happy to do a consultation with you and offer lending advice tailored to your situation.

all_borrowers

Buying your first home is probably the biggest financial decision you will make.

It’s important to have someone in your corner who knows the process inside and out and will walk you through the entire journey.

That’s where I come in. I offer extensive services and consulting around the home loan process.

Together we can;

  • Assess what mortgage payments are reasonable for your family
  • Put together all the documents for the banks to demonstrate you are responsible borrowers
  • Arrange the deposit and ensure all required time frames are met
  • Safeguard your assets in case of financial emergencies and much more.

My focus is primarily on first home buyers and existing homeowners so I know the lenders and lending criteria inside and out.

The best part is, my services to you are free.

I work as your advocate and ensure you get the best mortgage advise.

I am only paid a commission from the bank once your mortgage is secured and successful.

Existing Home Owners – click here

Buying your next home is often required to fit a growing family and or move into a new area.

As with first home buyers, its also a big financial decision.

It’s important to work with someone who knows the process of selling and buying property inside and out and will walk you through the entire journey.

That’s where I come in. I offer extensive services and consulting around the home loan process.

Services Provided to Existing Home Owners;

  • Assist with the co-ordination of buying a new property and selling your existing property in the same market.
  • Obtain bridging finance from your existing lender or from a specialist lender if settlement dates do not match up.
  • Discuss options around keeping your existing property as a rental investment if that is a goal of yours.
  • Review existing and new mortgage structures to ensure you are in a position to minimize interest costs over the life of your mortgage.
  • Provide competitive interest rates for your mortgage refixes – and quickly compare with other lenders.
  • Provide house insurance reviews and competitive house, contents and car insurance quotes
  • Provide Personal Risk Reviews to ensure you and your family are adequately insured.

As before my services to you are free. I work as your advocate and ensure you get the best mortgage advice. I am only paid a commission from the bank once your mortgage is secured and successful.

Mortgages can be taken out to build new or renovate existing homes. 

This type of lending does not follow the same conventions as a typical mortgage.

My job is to walk you through to the process and to give you an idea of some of the ways land, construction, and renovation loans are different and options on how these can be funded.

There are several options for paying for a construction project. The banks have specific requirements depending on the type of contract clients have with the builders and this can affect your loan.

Lenders will also typically look at the property valuation before, during and after construction or renovation. The timing of valuations is important to ensure maximum value at the time of inspection by the valuer. 

Lastly, loan repayments can be structured so that repayments are lower during the build phase when other expenses are likely to be much higher for you.

For financing for new builds or renovations, I can give you the best advice and help you find the best mortgage options for your project.

The best part is, my services to you are free.

I work as your advocate and ensure you get the best mortgage advice.

I am only paid a commission from the bank once your mortgage is secured and successful.

If you have tried to apply for a mortgage as a self-employed person already, you know how difficult it can be.

If this is your first mortgage as an entrepreneur, you are in the right place for great advice.

Lenders often see business owners as high risk and financially unstable, making the lending process particularly difficult for those who pay their own wages.

I don’t shy away from tricky lending situations, I have been supporting entrepreneurs with their mortgages in Takapuna and the North Shore for over 20 years.

I have the experience and expertise to find the best lenders and mortgage options for Auckland business owners.

Entrepreneurs are busy, my services will save you time and keep you on track for tight banking deadlines, better yet my service to you is free.

I am paid a commission by the bank, only when your mortgage is secure and successful.

Personal and Car Loans

Personal loans are incredibly versatile and are used for a number of purposes.

Many use personal loans to consolidate debt commitments, other for holidays, or even unexpected home repairs.

Car loans are, of course, specific to buying a personal vehicle.

Whatever the purpose, I can work with you to find the right lender for a personal loan or a care loan.

For those with existing personal loans and car loans, I can also assist you with refinancing options as well.

GET IN CONTACT!
0800 4 654 837