Loan Market Mortgage Adviser servicing Mission Bay, St Heliers, Kohimarama, Mt Eden, Grey Lynn and surrounding suburbs
I am a Registered Financial Adviser with over 15 years experience in the Financial Industry and I work with you to match the right bank and the right loan to your goals and financial position. I understand all banks are not the same and a good knowledge of their products and policies allows me to tailor your unique situation to fit in with the right lender to get you the best results.
A good relationship with lenders also helps me negotiate a better deal for you. This can be a high approval amount, discounted rate, fee waiver or quicker decision. In some instances, it can be all of the above!
I have access to more than 25 lenders including all the major banks and near bank lenders. I also liaise with key parties including solicitors, valuers, insurers, realtors and you to ensure a smooth settlement. Finally If I can’t find you a solution straight away, I will help you put together a plan in place so you meet requirements from Lenders over the coming months.
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.
Let’s talk about LVRs. Did they actually change?
Not exactly. What has changed is the Reserve Bank of NZ’s requirements of trading banks in NZ to abide by mandated rules that had been put in place.
Money is cheap, but is it easy to get?
In what is close to the perfect storm for our business, money is the cheapest it has ever been, but it has also never been harder to access.
To break or not to break, that is the question.
With Interest rates at an all-time low, a lot of people are thinking about breaking their current fixed rate to reset at something lower. This is effectively breaking the contract you have signed with the bank, the benefit on the face of it appears obvious for the borrower – stop paying an old fixed rate above 4% and start paying a new rate of perhaps 2.79%.