Our Services
Whether you’re shopping for your first home, moving up the property ladder with an investment property, switching mortgage providers, or topping up an existing loan, we’re here to help.
Whether you’re shopping for your first home, moving up the property ladder with an investment property, switching mortgage providers, or topping up an existing loan, we’re here to help.
You’ve decided to buy your first home… congratulations! But where do you begin? How do you know what you can afford based on your current income and savings? Which bank will offer you the best terms and conditions on your mortgage?
The New Zealand property market can be a scary place sometimes, but we’re here to demystify the process and get you through the door of your first home without stress.
The first step towards owning your first home is to arrange an obligation-free chat. Here, we’ll listen to your aspirations, assess your financial constraints and weigh up your best loan options.
When you use us, we’ll guide you through the entire process of becoming a homeowner. Finding the right bank, gaining pre-approval, accessing your Kiwisaver … we’re here for it all.
If you already own the house you live in but are thinking of selling it to upgrade, downgrade, or simply move elsewhere, then you’re about to become a Next home buyer.
You might be expecting a new addition to the whānau and need more space, or perhaps you want to take advantage of your home’s value, and move up the ladder.
Buying your next home sounds simple, but there can be niggly complications that pop up along the way. How do you secure pre-approval for an increased mortgage based on the estimated sales price of your original home? How do you arrange bridging finance to cover the period between the purchase of your new home and the sale of your old one?
Next home buyers can get themselves into strife if they’re not fully prepared. Having us in your corner will mean you know exactly what you’re getting yourself into, helping towards a smooth move from your first home to your next one.
Buying your next home sounds simple, but there can be niggly complications that pop up along the way. How do you secure pre-approval for an increased mortgage based on the estimated sales price of your original home? How do you arrange bridging finance to cover the period between the purchase of your new home and the sale of your old one?
Next home buyers can get themselves into strife if they’re not fully prepared. Having us in your corner will mean you know exactly what you’re getting yourself into, guaranteeing a smooth move from your first home to your next one.
If you’re looking to set yourself up for your first investment property, or your 5th - we are here to help.
If you’re new to property investing, you likely have lots of questions. How much can I borrow against the equity of my existing home? How will owning an investment property affect my tax obligations? And should I stick with my existing bank for the mortgage, or are there better options out there?
Let’s ball rolling by catching up to work out your plans, where we’ll answer all your investment related questions. We’ll then go away and find the right lender & for your new mortgage.
With an investment property there are quite a few more things to think about like what are your tax obligations? Do you need an Accountant? Which lender will give you a better rate based on the property type? How should I structure the lending to ensure it is most efficient?
Rules for investors are constantly changing, we’ll make sure there are no hiccups by staying up to date with laws and regulations changes, so that your climb on the property ladder is a safe one.
We usually get the ball rolling over a cool drink, where we’ll answer all your investment-related questions. We’ll then go away and find the right bank for your new mortgage, provide advice on tax obligations, and basically set you the right track for success.
We’ll make sure there are no hiccups by staying up to date with laws and regulations changes, so that your climb on the property ladder is a safe one.
Borrowers switch mortgage providers for all sorts of reasons. Some realise another bank is offering better rates on the same type of mortgage. Others get over the way their current bank does business, or maybe a different lender will offer you a better product or structure that allows you to pay down your loan faster, or give you interest only.
Banks are usually giving out special deals to welcome new borrowers. But just because another bank’s rates and special offers appear better, it doesn’t always mean switching your mortgage to that bank is the best move. We can help analyse if it is the right move for you or not.
We’ll make sure you’re making the best move by switching mortgage providers. We’ll run the numbers and look into other factors that might come into play, such as potential fees that might outweigh the benefits of switching for lower rates, and so on and so on. Give us a call and we can help you along the process.
We’ll make sure you’re making the best move by switching mortgage providers. We’ll run the numbers and look into other factors that might come into play, such as potential fees that might outweigh the benefits of switching for lower rates, and so on and so on.
Let’s say you’re doing up the kitchen of your first home or wanting to get a new car and you’re looking for ways to finance it. Instead of getting finance from the car company or spending all the money you have just saved up - we could apply for a top-up of your existing mortgage and see if it is a good option for you.
Give us a call and let's organise a time to work through it. Getting a top up is based on how much equity you have in your existing property, and the amount of income you are generating to service the new debt (as well as the existing debt).
We’ll run the numbers of your current property value & your income and tell you exactly how much you can borrow against the equity of your existing home – and apply for what you need.
We’ll run the numbers and tell you exactly how much you can borrow against the equity of your existing home. Pretty much all New Zealand properties have increased in value in the past decade, so you’ll likely be stoked with the news.
Next, we’ll take care of the paperwork so you can get on with that kitchen reno.
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