About Michelle Proudfoot
Michelle helps people in Mt Roskill find the best home loan deals. Michelle works to remove property buying barriers and makes it easy for her clients. Whether you‘re buying or selling, Michelle will support you through the mortgage process. Regardless of whether you are a first– home buyer, an investor or looking to refinance, she can work with you to choose the right finance deal.
When you use a Loan Market adviser like Michelle you‘re giving yourself the insider‘s edge. That‘s because Michelle talks to lenders daily to find you the hottest home loan specials and takes a truly impartial view of hundreds of loans from a wide range of lenders. By doing all the leg work, such as completing paperwork and liaising with solicitors, she takes the stress out of your home loan.
Michelle covers many suburbs including Mt Roskill, Sandringham, Mt Albert, Mt Eden and Royal Oak.
With over 20 years banking experience in mortgage lending providing Home Loans to First Home Buyers, Investors, Business Owners, Construction and those who are looking to upgrade and downsize. Providing a high level of customer service is important to me. Taking time to listen to my clients helps me understand and assist them to achieve their short to long term goals.
It is important for me if work closely with my clients throughout the whole process of getting a mortgage. Every client has individual needs relating to their goals and circumstances which can determine which Home Loan structure is best suited to them.
You can expect me to:
Take time to fully understand your financial goals and plans
Complete and assess your financial position on of how you can achieve your goals and plans
Make the process easy for you - Negotiate competitive interest rates on your behalf
Complete end to end process- Pre approval to Settlement
Ongoing support during your loan term
If you need assistance I will always be available on the other end of the phone supporting you.
Let’s talk about LVRs. Did they actually change?
Not exactly. What has changed is the Reserve Bank of NZ’s requirements of trading banks in NZ to abide by mandated rules that had been put in place.
Money is cheap, but is it easy to get?
In what is close to the perfect storm for our business, money is the cheapest it has ever been, but it has also never been harder to access.
To break or not to break, that is the question.
With Interest rates at an all-time low, a lot of people are thinking about breaking their current fixed rate to reset at something lower. This is effectively breaking the contract you have signed with the bank, the benefit on the face of it appears obvious for the borrower – stop paying an old fixed rate above 4% and start paying a new rate of perhaps 2.79%.