Your local Loan Market mortgage adviser serving Kingsland, Sandringham, Mt Albert, St Lukes and the wider West Auckland
I'm a young Kiwi bloke that can't wait to have a chat and help you out. I come from a successful small business background and have a passion for property investment. I find it extremely helpful to come from a “real world” environment and can help you understand the true ins and outs of getting on the property ladder and growing a successful property portfolio. I work for you, support you and will continue to provide the ongoing service needed to achieve your dreams and goals.
First Home Buyers
Despite the Reserve Bank’s LVR, you don’t always need 20% deposit. Most lenders want you to have at least 10% of the total house prince before they’ll consider giving you a loan. There are a few ways to get a deposit together that you may not have thought about which include the KiwiSaver, HomeStart Grant, Welcome Home Loan as well as using a guarantor.
Loan pricing isn’t the be all and end all when it comes to investing. Structuring your loans correctly can play a huge role in making sure you maximize your cash-flow and can reduce the debt in the shortest time possible. Make use of the tools we have available to be on the right side of the ledger.
Land and Construction
With the shortage of housing we are currently experiencing the Land and Construction route has become more and more popular and can be quite a different process to purchasing a regular home.
Buying property off-plan. What you need to know
In today’s red-hot property market, buying an apartment or townhouse off-plan can seem very attractive. After all, you get a brand new property at a set price. What could go wrong? The short answer is plenty. Buying off-plan could be the perfect solution. And it can just as easily be a nightmare. Here’s what you need to know about buying property off-plan.
Super-hot housing market records highs across the board
Once again, the property market hit record highs in October thanks in part to cheap mortgage lending. According to the Real Estate Institute of New Zealand (REINZ), nationwide median house prices increased by almost 20% on October 2019, and by 5.2% on September’s performance.
Ways to pay off your mortgage faster without ditching your barista coffee
The mortgage is your biggest expense. And while we like the idea of paying the loan off faster, we're not always so keen on sacrificing our lifestyles. However, mortgage rates are at an all-time low, and many commentators are predicting they will drop even lower. There’s never been a better time to get ahead of your mortgages payments. Here are some ways to reduce your mortgage without having to give up your barista coffee altogether. Get in touch with your mortgage adviser for more personalised advice on the best options for you.