Loan Market Mortgage Advisers based in Dunedin
We’ve won a number of awards and are most proud of winning New Zealand’s Financial Services Business of the Year in 2010, and every year for the past five, we’ve been finalists in the New Zealand Mortgage Broker of the Year awards, with Sally winning in 2009.
We know that you probably want to focus on investment returns, not paperwork. The right loan with the right features will help you save time and money. We understand what’s happening in the Dunedin real estate market because we live here. We take the time to understand your unique situation and investment strategy and can advise which loans will suit your needs best.
You might be starting your business or going through a period of growth or change. Our Loan Market Dunedin team know that finance is a crucial part of the success of your business. We’ll take into account your needs and finances to find the right loan for your situation and review your loan regularly to make sure you’re always on the best deal.
We know that Dunedin is a hotspot for self-employed people and specialise in helping you into the right loan. If you work for yourself, it can be difficult to get all the necessary paperwork together. Lo-doc loans do away with the need for traditional proof of income like company financials or tax returns and are a great option for self-employed New Zealanders to finance their property. We make sure you’re not penalised if you’re putting lots of personal expenses through your business and can asset lend if this is the right solution for you. You’ll still need to satisfy a few requirements and Brian and the Loan Market Dunedin team will talk you through your options.
First home buyers
Buying your first home can be daunting, but it doesn’t need to be. We explain all the jargon and talk you through what might work best for you. We understand the finer points of using your KiwiSaver to help you buy your first home, including how the first home buyers grant works. Talk to us about the different finance options, you don’t need a 20% deposit as many people believe, 10% can be fine and we can even arrange 100% finance if you have a suitable guarantor to assist, which can be done on very friendly terms for the guarantor.
Is property still a good investment?
There's no doubt; many potential property investors were spooked by the government's housing policy changes announced in March. What once was a cast-iron investment option suddenly seemed less attractive. However, despite the changes to tax concessions and the bright-line test, there's little evidence that landlords are selling up in any significant numbers. So, is property still a good investment?
First home buyer stress: 5 tips to help you manage the process for a better outcome
When it comes to stressful life events, buying your first home is up there in the top ten. Here we share some tips to help you manage the process for a better outcome.
DTI’s - What are they and what impact will they have?
So far in 2021, the government have announced a wave of policy and potential policy changes, aimed at cooling down the runaway housing market and in their own words, “tilting it more in favour of first home buyers”. The latest shot fired by Finance Minister Grant Robertson has been adding DTI’s (debt to income ratios) to the Reserve Bank’s arsenal – giving them the ability to implement them if they wish to.