Your local Mortgage Adviser
Whatever your lending needs are, I listen carefully and then we make a detailed plan together. I am passionate about helping you achieve your financial dreams, and I do this by connecting you with the right partners.
If you’re looking to secure a loan for a first home, an investment property or navigate your way through a separation, I am on your side and here to help.
First home buyers
Buying your first home can seem daunting but it doesn't have to be. I specialise in helping first home buyers find the right loan and navigate through their first home purchase. I know all the ins and outs of how you can use your KiwiSaver and the government Homestart grant to buy your new home, and I put you in front of the lenders I know will support you.
Upgrading Your House
Deciding to sell your home and buy another can be both exciting and nerve wracking. It may seem like a long time ago that you bought your last home and you’re not sure where to start! When looking to sell and upgrade your home I can research your available options based on your situation, explain how it works and what to expect. This way you can step-up to your next home with confidence.
Finance After Separation
This can be a very stressful time with so many unknowns. I am here to listen, then help you make a plan to maximise your options. I will support you through the transition of getting re-established, and it won’t cost you a thing! Give me a call if you could use some peace of mind and free, unbiased advice.
Understanding the responsibilities of property investment and if it’s the right decision for you is the first step. I can then help you make a financial plan to achieve your goals. Investment loans vary depending on what you are looking to achieve and can be either very simple or something more complex that helps you to make effective use of tax, gearing and repayments. I can break all this down for you into easy to understand information and decide which options suit your circumstances best. Talk to me about how you can make wise use of financing to build your property portfolio, the right loan structures can make a big difference to wealth creation.
Many New Zealanders enjoy the freedom of working for themselves, but there is a belief out there that if you’re self-employed it is hard to get a loan. It doesn’t have to be that way! I have helped many self-employed people successfully obtain home loans. I know how the system works, and how it can work for you. I go through your financials, tax returns and depreciation schedules and talk to the lenders on your behalf. Let me make life easier for you!
Finding the right fit with your business finance is vital when purchasing and growing your business. Commercial loan options vary depending on whether you are a start-up or existing business and it is important to find the right partner to help you grow the way you want to. Whether you are buying commercial property, undertaking property development, expanding your business or need some cash-flow funding, I can help you break through the red tape to find the right loan for you.
Personal Loans and Car Finance
A personal loan is a good way to obtain extra funds for some of life’s wants and needs. There are two types of personal loans – secured and unsecured.
All you need to know about renting to university students
Renting to students often gets a bad rap. The stereotype of noisy parties and student loans spent on entertainment rather than rent has put off many landlords. However, it can be lucrative and is worth considering if you already own a rental near a university or are looking at locations for your next investment.
The best way to get a home loan
Memo to prospective home buyers: if you have a weakness for expensive shoes or Uber Eats, you could be impacting your hopes of gaining a home loan. The array of recently introduced challenges has made securing a home loan even more difficult and mortgage advisers may now be the best way to tackle NZ's hugely complex home loan scenarios.
The Truth about Turnkey Properties
Purchasing a turnkey property can seem like the answer to all your prayers for first home buyers and investors. Brand new, ultra-modern and at a fixed price, what’s not to like? The Reserve Bank seems to agree, and current LVR (Loan to Value Ratio) restrictions do not apply to new homes. Turnkey homes are undoubtedly an excellent option for many. And while there are plenty of upsides, there are also some downsides. Here we provide an overview of what you need to know.