About Colin Davis
I aim to give great customer service and making the whole process easy for the customer. I know family life can be busy so I can save you time comparing the different lenders and lending options. Use my experience and knowledge and let me do the work for you to find the lender and product that best suits you.
I can meet you face to face or virtually to sort your finance needs. I have help hundreds of customers purchase homes, rental properties and businesses.
Given my background in banking and over 20 years as a Branch Manager I have an in depth knowledge on all aspects of mortgage lending from First Home Buyers, Rental Investments, New Builds, Business Finance and Property Development.
First Home Buyers
First Home Buying can be a daunting experience when you are unfamiliar with terminology, processes and requirements. I can help you every step of the way from First Home Grants, KiwiSsaver, lenders and other professionals like real Estate Agents and Lawyers. Key to this is being easily accessible to clients and providing information and tips along the way.
Rental Investment Lending has its own traits and traps. I can assess your circumstances and detail your options before you start out on this journey. The difference in lenders tends to get magnified when taking on mortgage finance to purchase investment property so its becomes more important to examine all the different options. I can advise on best policies, pricing and criteria for all the different lenders and how this would effect you the customer.
Building has a layer of complexity that I can make simple for you. Whether you are looking at a Turn Key Build, a Progressive Payment contract or Labour only Build I can help explain the different lenders criteria and how this would effect you, so you can then be in charge and make the decision on how best to complete your build.
Business Lending often requires analysis of financial statements and then applying this to different lenders criteria. Whether you are looking to purchase a business, or currently own an existing business and are seeking additional finance, I can help you understand what these reports are saying, how we can apply these results to lenders requirements and then compare the different lenders to find you the best outcome.
Property Development for builders or property developers can often require special requirements and specialist lenders. Everyone is busy so see me to discuss your requirements and I will work on the finance while you work on your project.
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.