Loan Market Mortgage Adviser servicing Auckland, Hamilton, Raglan, Te Awamutu, Cambridge and wider Waikato area.
Why use a Mortgage Broker?
- I will match the right loan for your goals and financial position
- We can chat at a time that is convenient to you
- No cost to you - because I’m paid by the lender that you choose
- I'll negotiate a better deal - I have access to a range of lenders willing to negotiate with special offers and discounted interest rates
- Outstanding service
Finding the right home loan can be a minefield, unless you find a very good broker to do this for you. It is very important to make sure that in discussion certain factors are established as to the client’s needs and requirements with a loan.
Building wealth through property investment can pave the way to financial freedom, if you get it right. Tailoring your loan and ownership structure to your overall investment goals is VITAL.
Purchasing property or refinancing when you are Self-Employed can be more of a challenge than for those who are employed.
The Advantage of getting Pre-Approved
There is nothing worse than finding the right home or investment property only to have someone else's offer accepted over yours because your offer had longer period for your finance clause to give you time to organise your finance.
It's easy to make your debts manageable again.
WHAT IS A ‘LIM’ AND WHY DO YOU NEED ONE?
A LIM report usually provide details of rates and town planning matters and, more importantly, details of any requisition or building permit affecting the buildings on the land you as the purchaser is proposing to purchase. It is essential a buyer ascertains whether any works may have been carried out without notification to Council, if there are any special land features, or any requisitions affecting the property as this can have a significant impact on obtaining finance, and full house insurance cover.
KIWISAVER WITHDRAWAL FOR FIRST HOME BUYERS
If you are a member of KiwiSaver, you may be eligible to withdraw from your fund to use as a deposit towards the purchase of your first home. So who is eligible, what can you get and how do you apply?
Do we have a housing bubble?
Do we have a housing bubble? Or is this normal compounded growth?