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As a mortgage broker we work to structure your loan in the best way possible.
We work with a wide range of lenders both banks and non bank lenders.
We find the right solution that meets your needs.
Our sources range from:
- Standard bank products, to
- Asset lending
There is much more to consider then just an interest rate but what type of product fits in with your short to medium goals.
Below is a list of service and products.
- Property Purchase - your home, holiday home or investment property.
- Refinance - to another mortgage lender for better loan terms, interest rates, more money etc.
- Restructure - your investment or home loan with the current lender to get better mortgage interest rates, repayment terms etc
- Top Up - against your home for minor renovations, car replacement, credit card/HP consolidation etc. Or, against your investment property for minor renovations or chattel replacement.
- Construction - to build a new home or investment property or for a major addition to your current home or investment property.
- Pre-Approval - arranging mortgage finance before you purchase your home or investment property.
- Overseas Borrowers – mortgage finance up to 70% for New Zealanders working overseas and non-NZ residents living overseas.
- Asset lending – if you have good equity but unproven income
- Bridging - to enable you to buy a new home or investment property now and sell your existing property later.
- Non-Standard - for borrowers who don’t qualify through mainstream mortgage lenders i.e. self employed who have difficulty proving their income/s.
- Mortgage Key Structure – This is a mortgage structure we have developed for home owners. Mortgages Keys enables you to repay your home loan many years earlier, saving tens of thousands of dollars.
Strategies to Increase Borrowing Potential
Lack of income and equity are the main areas that prevent investors from qualifying for further borrowing. We can suggest various strategies to help you improve weaknesses you may have in these areas, for example, by adding value to a property or investing in a high growth area.
Professional Referrals
Over the years we have built up a pool of qualified professionals (lawyers, valuers, building surveyors, etc) who we are happy to recommend to assist with any mortgage finance requirements.
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