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.
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.