About Suzy Williams
With a background of over 10 years in the finance industry including working for one of the leading trading banks in NZ, helping kiwis achieve their dreams and financial goals is a passion of mine.
I will provide a service tailored that works for you and your family, work through any concerns and keep in close contact throughout the application process.
As a Mortgage Advisor I specialise in Home Loans for First Home Buyers, Existing Home Owners, New Builds, Renovations and Property Investors.
My clients are typically wage and salary earners or self employed.
My role is to negotiate on your behalf with financial providers to ensure you get the best outcome suited for you. Most importantly, all of my services are at no cost to you, very occasionally there might be an upfront fee depending on the provider, which I will communicate with you well ahead of time.
First Home Buyers
As a first home buyer, to find a good home loan you should investigate both your home loan options and government grants and entitlements you may be eligible for. With interest rates at an all time low, first home buyers are in the best buying position they have ever been in.
Your home loan is a large and often long-term financial commitment, so it makes sense to get it right first time. What’s right for you depends on a range of factors including the size of the loan your require, the property you intent to purchase, the deposit you have and your lifestyle.
There’s a lot to know about investments, such as how to choose the best investment loan that meets your needs and goals. A good investment loan can make property investment a much smoother process.
Many People refinance to get a better rate, consolidate debt, renovate or free up equity. If you’re thinking of refinancing, it’s important to weigh up the cost of refinancing against the long term benefits.
As the name suggests, a bridging loan ‘bridges the gap’ between two home loans. Bridging home loans are a good way to buy a new property before the sale of your existing home.
Often, self-employed borrowers find meeting the lending criteria for standard home loan difficult. Business cash-flows create income that fluctuates more significantly than other borrowers. Business owners looking for home and business loans do have competitive options available to them.
Land & Construction Loans
A land and construction loan provides funding for building property or extensive renovations, so you have the lowest possible repayments during the construction phase.
Home Loan Top Up
You may want to go on holiday, buy new furniture, upgrade the car or pay for medical expenses, or even plan your wedding. A home loan top up may be a good way to get the extra funds you need.
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.
Has The Government’s Housing Policy Changes Made A Difference?
This year's Budget had little of substance concerning the property market. However, given the significant housing policy changes announced in March, it’s probably not surprising.