Mortgage advisers in Wairarapa
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 will depend on a range of factors including the size of the loan you require, the property you intend to purchase, the deposit you have and your lifestyle.
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 low and property becoming more affordable, first home buyers are in the best buying position they have ever been in.
Often, self-employed borrowers find meeting the lending criteria for standard home loans difficult. Business cash-flows create income that fluctuates more significantly than other borrowers. Business owners looking for home and business loans do have competitive loan options available to them.
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.
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.
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.
You might want to go on a holiday, buy new furniture, pay for a course or medical expenses, or even plan your wedding. A personal loan is a good way to get the extra funds you need. Find out more about the types of personal loans.
Land and 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.
We know that organising insurance can be a hassle and that’s why we’re happy to chat with you at a time and place that works best for you, to find an insurance strategy to protect you best. We have access to New Zealand’s most comprehensive panel of insurers in one place.
Commercial and Business loans
As we have relationships with a range of business and commercial lending specialists and major banks, Loan Market advisers are able to assist with business finance for expansion, investment funding, leasing, purchase or refinance of commercial properties, retail shops, industrial land, factories and offices or cash flow lending.
Buying with family and friends: what you need to know
Getting on that first rung of the property ladder is more a giant leap than a small step for many young first home buyers. It's no wonder that many Kiwis wanting to get ahead are considering buying a house with friends and family. However, before jumping in, it's essential to have your eyes wide open.
Six easy ways to add value to your home this spring
For many Kiwis, weeks spent in lockdown staring at the same four walls has highlighted an urgent need for a refresh. And the arrival of spring is the perfect time to crack on with sprucing up your home. Here we share six easy ways to rejuvenate your home décor.
Interest rates: Is now the time to fix or float?
With mortgage rates already increasing, many clients have asked us whether now is the time to fix their home loans. Everyone’s situation is different. So before making a decision, it’s essential to get expert advice from your Loan Market adviser. And to help you prepare for the discussion, here are some general pros and cons of fixed and floating mortgages.