You Local Mortgage Adviser servicing the areas of Tauranga, Papamoa, Mount Maunganui, Te Puke, Western Bay of Plenty, Omokoroa and Katikati
Time is our most precious commodity these days. As an experienced mortgage adviser, I build trusted relationships that save your valuable time. I can broker achievable solutions that work best for clients whether with an existing bank or another lender. I research the best mortgage terms that address the unique requirements of lending. Being prepared for the milestones saves you stress in the long run so talking to me well before you’re ready, makes logical sense. When the moment arrives to finance a home, you can feel secure knowing I’m already there on your timeline.
AND I do all the negotiating with the bank’s on your behalf.
Borrowing to buy a home or business is a big step so it is important to employ someone who has walked in your shoes to carry out the task. My significant background and expertise in all facets of banking, finance, farming, business ownership, and sales management equips me well to guide you on your own journey. I do the leg-work for you and my services are at no cost to you*.
*Very occasionally in unusual circumstances there might an upfront fee, but I’ll let you know well ahead of time.
First Home Buyers
Buying your first home is very exciting. It can also be time-consuming and overwhelming as it’s probably the biggest financial commitment you’ll make in your life. I will guide you through the various mortgage options to locate the best solution. I will talk you through Kiwisaver, Home Start Grants, guarantors, gifts, pre-approvals and deposits as part of your home loan structure. I can talk to your bank for you, or another bank and then translate the alternatives to ensure we’re comparing “apples with apples”. And again – I do the presenting and negotiating for you.
I understand the complexities involved with funding or refinancing property investment portfolios and the need to keep on top of the many tasks associated with investment properties. Let me take care of this important aspect of your business with discretion and professionalism. I am happy to discuss your current and future needs and provide advice and broker the best structure for your investment property loans.
Home Loans & Refinancing & Top-Up
Nothing gives me a bigger buzz than assisting with the securing of finance to take your home loan needs to the next level. Many of my clients have a change in their living circumstances and need to upgrade, downsize or relocate. Perhaps they need extra funds to add onto an existing home for a growing family, provide a rental income stream, to improve their lifestyle, or to deal to those unexpected curve balls life sometimes throws our way. Whatever the financing/refinancing reason, I’m able to take away the guesswork and easily deal to the financial aspect getting you where you want to be.
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.