Loan Market Mortgage Adviser servicing Tauranga, Welcome Bay, Western Bay of Plenty, Otumoetai, Pyes Pa, Te Puke and surrounding suburbs
About Deryn Coldstream
What do I do?
I work with first home buyers, home owners looking to upgrade or refinance, residential property investors and businesses. I can meet with you at your convenience.
I understand different bank’s credit policies, RBNZ regulations around Loan to Value ratios (LVR’s), using KiwiSaver and HomeStart Grant. I talk you and assist you through all this.
My qualifications include:-
• Bachelor of Business Studies (BBS) majoring in finance.
• Graduate Diploma in Business endorsed in Personal Financial Planning
My role as a Financial Adviser is to find the right finance for you for whichever situation you may be in. Please call/txt/email to arrange a time to meet/chat +64 27 515 0112.
What can I do for you as a first home buyer?
Buying a new home is exciting. It can also be time consuming and challenging, especially as it’s often the biggest financial commitment most of us make. I make that process easier for you and at no cost. I guide you through the mortgage options to find the right finance solution for you.
Talk to me – I can help you with KiwiSaver, HomeStart Grant, guarantors, gifts, deposits and more while arranging your finance.
I will explain different home loan structures and all other financial jargon you may not understand.
I can go to your existing bank or another – the great news is – I do the work - I will find the right place for you. Don’t think you have to change banks with me.
I have access to finance from major banks and other lenders.
Getting your home finance pre-approved early can ensure you are in a great position to negotiate for your home.
Maybe you are not ready/able to buy your home now. Talk to me about your plans so we can get you ‘purchase ready’ for the future.
I address any issues early to put you in the best possible position with financiers.
Some feedback from my clients 2017:-
"Personable, trustworthy (she does what she says she will do - integrity), helped me through a very daunting process with humour and professionalism, her service is just awesome"
"I could call Deryn anytime and she was amazing to talk to"
"She’s very friendly, easy to get on with, easy to understand and easy to trust"
"Visited us at home over the weekend. Bank didn’t reply for 3 days. Deryn replied to message within hours"
"Very easy to talk to and very helpful"
"She is a no bull, straight up lady and wonderful to work with. She explains things clearly and I feel goes the extra mile to make sure you get a good deal"
"Knowledgeable, friendly, approachable. Kept in constant contact throughout the process"
No question too small – my clients’ love that I am available for all those little questions some clients don’t like to ask. I am happy to spend time going through the ‘small stuff’ and am contactable about any financial matters assisting you on to the property ladder. Nothing gives me a better feeling than helping you to obtain what could be your biggest financial commitment, knowing I have done a great job and made it easier for you.
Of course I am available following settlement. I don’t forget about you once I have found you finance.