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.
Buying with family and friends: what you need to know
Getting on that first rung of the property ladder is more a giant leap than a small step for many young first home buyers. It's no wonder that many Kiwis wanting to get ahead are considering buying a house with friends and family. However, before jumping in, it's essential to have your eyes wide open.
Six easy ways to add value to your home this spring
For many Kiwis, weeks spent in lockdown staring at the same four walls has highlighted an urgent need for a refresh. And the arrival of spring is the perfect time to crack on with sprucing up your home. Here we share six easy ways to rejuvenate your home décor.
Interest rates: Is now the time to fix or float?
With mortgage rates already increasing, many clients have asked us whether now is the time to fix their home loans. Everyone’s situation is different. So before making a decision, it’s essential to get expert advice from your Loan Market adviser. And to help you prepare for the discussion, here are some general pros and cons of fixed and floating mortgages.