Your local Mortgage Adviser
As your Financial Adviser I am here to work with you to identify and achieve your financial goals.
Arranging finance for a property can seem complex and daunting.
My role is to make this as simple and easy to understand as possible through utilising my more than 30 years experience.
I will keep you fully informed throughout the process and consult with to get the best products and price for your needs.
I service the greater Canterbury Region from Ashburton to Rangiora and everywhere in between.
My main area of specialty is residential finance including the following.
First Home Buyers
I am here to support you through the whole process and give you information around buying a first home. I have good knowledge around the First Home Loan and accessing your KiwiSaver as well as the First Home Grant. I can also give you tips on utilising a “wish List” to ensure you get the house you want as well as setting a budget and getting your banking set up to make it easy.
Having owned investment properties myself, I can give you tips and tricks around picking tenants. I have a good understanding on the requirements of being a landlord and how to maximise your returns through structuring your lending to your best advantage.
I have extensive experience in construction lending having been though the process personally a number of times. I can make the process simple and easy to understand and guide you through the whole process from planning to completion. I also have good relationships with a number of building companies.
Subsequent purchases and refinancing
With subsequent purchases and refinancing it can always be a good time to ensure your current bank is your best fit. I am happy to understand what is important to you in a bank and offer some alternative comparative options for you to consider.
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.