Loan Market Mortgage Adviser servicing Raglan, Auckland, Hamilton, Te Awamutu and surrounding suburbs
Everyone wants the best interest rates they can get on their mortgage - that’s a given. And of course here at Loan Market we deliver that
consistently. Initially that’s why a lot of people first get in contact with us but our client surveys show us that’s not why they remember us and why they keep coming back.
During 20 years working in the mortgage industry in NZ and abroad, Brett’s been involved in many thousands of home purchases,investment property purchases, mortgage refinances, mortgage re-structures,re-fixes, new builds, renovations….the list goes on. There’s not many mortgage/property related situations Brett hasn’t seen and advised on.
It’s this in depth mortgage & property industry
knowledge and insight that our clients value most. Good interest rates are
important, but it’s well-structured loans and properly advised decisions and
actions which are the real $ savers when it comes to mortgages and property
You need the right knowledge and insight to make good
decisions on what’s likely to be your biggest financial investment. We’ve got
that knowledge & insight. Get in touch.
Just some of the areas I can help with:
First home buyer home loans
As if buying your first home wasn't tough enough already, the Government's gone and made it extra tough with Loan to Value Ratio (LVR) restrictions amongst other things lately. You may fit your banks criteria but often they still won't give you the loan! How does that work?!
These days banks have very limited money for those who don't have a 20% deposit and they literally run out of money for first home buyer loans. But where one bank says 'no can do', others may well say 'here ya go'. Brett makes it his business to know what banks have got money available for first home buyers on any given day, along with which banks are doing the crazy-good deals and which banks are being too greedy.
Getting your first mortgage is all about sending the right banks the right stuff, choosing the bank that's right for you and setting up the loan the right way that will see you prosper. Give Brett a call to find out how.
Not every mortgage application is an open and shut case; in fact there are many people who have diverse and often complex requirements from their mortgage. Brett is highly experienced at working with clients who have complex mortgage needs and thrives on the challenge of finding the most advantageous path for his clients.
Helping clients to build wealth through property investment is one of the most enjoyable aspects of Brett's role as a Mortgage Broker. Loan and ownership structure is critical in property investment, so Brett works closely with trusted specialist property accountants and lawyers to achieve the best outcomes for his property investment clients; and that means finding the right investment loan to match their property and overall investment goals.
What if the bank says ‘no’?
If your bank has declined your mortgage appllication, that’s not necessarily the end of your property purchase aspirations. On a weekly basis Brett turns a ‘no’ from a bank into a ‘yes’ from that same bank, a rival bank or one of New Zealand’s many non-bank lenders. If you have been turned down, it’s important to remember that most lenders have very different ways of looking at clients, which means that although you may not be able to secure a mortgage with one lender, you may well qualify easily with another. Make use of Brett's knowledge and experience to find the right lender for you, based on your individual situation and requirements.
Home loans for migrants
Having lived in various countries himself, Brett knows that financing a property purchase can be very challenging. Brett empathises with the many migrants to New Zealand who are facing those challenges, but who truly want to purchase property. Different rules, laws, processes and terminology can be frustrating and confusing so Brett guides his immigrant clients every step of the way, ensuring they understand the process of securing a mortgage and purchasing property thoroughly.
Build loans / Construction finance
Building a new home is one of the most exciting, interesting, rewarding experiences you can hope to achieve. It's also a totalling immersing experience that can be fraught with problems and can be incredibly stressful and expensive. Brett's helped hundreds of families build their dream homes and in 2015 built his own dream home.
Many of the potential issues with building can be avoided armed with the right knowledge. Having assisted so many people build and having done it himself, Brett of course sorts the finance but also advises on the process from thinking about building to moving in. When it comes to building, knowledge of the process is critical - call Brett to set the foundations for a succesful project.
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.