Your local Mortgage Adviser Tenzin Choedon
After 17 years in the financial services industry, with the last two working locally in the bays, I can help you understand all those tricky questions. Applying for a mortgage can oftentimes be confusing and I am here to guide you through the process whether you are purchasing your first home or investment property.
I am very much local, and committed to providing quality advice and service every time. Our team has over 20 years combined experience in the financial services industry and we pride ourselves on our ability to listen and closely understand our clients and take the time to answer every question. We ensure You are kept informed from the first appointment through to settlement and keep in touch post settlement. ESSENTIALLY WE WORK FOR YOU AND NOT THE BANKS!
All banks are not the same so a good knowledge of their products and policies can mean the difference between a seamless application process and one that gets knocked back. We work with both Banks and Non-Bank Lenders to ensure we find the best product and structure to suit your unique situation and obtain a competitive package from a lender who appreciates your business. We also have a strong relationship with Lenders which helps us negotiate a better deal for you. This can be a higher approval limit, discounted rate, fee waiver or a quicker decision. In some instances it can be all of the above.
We can assist with First Home purchases, Construction Lending, Refinancing, Debt Consolidation, Purchasing Investment Properties, Top up on Existing Mortgages and Fixed Rate Renewals.
First Home Buyers
I can assist with low deposit, new arrivals in New Zealand and advise you on using Kiwisaver and HomeStart grants.
Investors & Property Developers
I can help you grow your investment portfolio and source short term funding to complete your next project.
I can help source other options if you have been declined by your existing Lender and/or are unhappy with your bank.
With/without financials, we can explore options for you.
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.