Engaging me as your mortgage broker is not just about getting a home loan. It's also about repaying your home loan. I will help you through the process of buying a property and getting a mortgage, but also keep in regular contact with you, inform you of changes in the mortgage market and ensure your mortgage is always structured for your personal situation. Having me on your side to help structure your loan will save you thousands of dollars.
Being part of the excitement of when first home buyers become home-owners is one of the most rewarding parts of my job as a Mortgage Adviser.
Buying your first home is an exciting experience, but can be stressful and confusing on your own, so I will guide you through each step to understand the process and ensure your home loan is suited for your situation.
"I'll always be grateful to you for stepping in and finding a solution for me so quickly. Thank you so much" Irene "Zane was pivotal in the process of purchasing our new home. Right from the start he was exceptionally helpful in working through all the steps involved. He provided us with solid advice, useful property reports and assistance in dealing with the banks to ensure we made the right decisions and settled with ease. If your in the market for a new home - We highly recommend Zane" Lauren & Ollie "When we met Zane we had already been turned down by two other brokers and my own bank home loan specialist. They all said we have too much to solve before we could buy a property and we should just withdraw the offer we had put in the house (offer that already had been accepted). Zane's approach was completely different - he heard our case and what we still had to do; proof of income from contracts, money for deposit still overseas etc and worse, less than 2 weeks to meet the finance condition. All I can say is, we got the house. In just over a month, we went from offer to settlement. In less than 2 weeks we went from "give up, you cant do it" to all the conditions met, with time to spare. All because my solicitor told me - before you give up, call Zane! We are really happy and really, really grateful to his help during the whole process. I already gave Zane's contact details to everyone I know who is looking to buy. He is definitely the best. We are really grateful for your help" Ronaldo Santana "Zane has been a breath of fresh air during what was a long and arduous process of finding a suitable property to purchase in Auckland. His knowledge is second to none and the effort he puts in to ensure you are getting the best deal and service is exceptional. The evening before an auction the following morning, I found the house I wanted to buy. There was a major problem getting the finance approved without conditions in time to buy. He managed to scramble that night and early the next morning and got me approved unconditionally and I went on to win the auction with his guidance, without risk my deposit. Such a massive effort of which I am so grateful!! I highly recommend his services for anyone looking for a motivated professional mortgage adviser/broker to work in his clients best interest" Mike Morpeth "We just want to say a HUGE thank yo u to Zane! He helped us to buy our first home which proved to have a few hurdles when it came to having finance approved but he pulled a few strings and got the green light for us. It was such a great experience to have someone so knowledgeable to help us newbies on to the property ladder! We will be recommending Zane to everyone in the future". Thanks again Ron & Larnie "We finally did it! Zane made the whole process easier than we expected. We were informed from start to finish even while he was away overseas getting married. This is a huge bonus to Zane and his work ethics. We have no hesitation to highly recommend him to any other person". Thanks again Rich & Barbs Tips
Don't stretch yourself too far. Just because you have the capacity to borrow a lot of money, it isn't always a good idea to do so. Having a loan that is easy to manage will save you a lot of stress and money in the long term. Plan for the future. Look at your life and major events that you can
foresee in your future and structure your mortgage around these events. Community
Over the years I have organised many events that have raised money for charities such as Cancer Society and Oxfam.
My clients come from all walks of life, are all in different financial positions but all need hands on service.
From Investors, First Home buyers, Developers, Single Young Professionals, to Families, both young and old, I'm happy to help anyone that asks and give specialist advice to the situation that applies.
Many customers tend to focus on the house they can afford, suburbs, schools, rates and repayments. With a mortgage, it is a great time to review what would happen should your health or circumstances be affected. Could you cope? Have you budgeted for insurances? I can help you get sound advice to help you protect yourself so you can service your mortgage in the long term.
I am constantly in close contact with real estate agents, accountants, lenders and solicitors to ensure your home purchase is as painless as possible. In the journey of purchasing property, it's important to have the right people around you. If you need help in any other area of the buying process, I can help get you set up with other professionals that will help make the process go as smoothly as possible.
Benefits of using me as your mortgage adviser Building wealth through property investment can pave the way to financial freedom, if you get it right. As your Mortgage Broker, I will ensure your property investment loan is tailored to your overall investment goals. Whether you are an experienced property investor with a big portfolio, or just starting out with your first property, I will work with your accountant or financial planner to get the right investment loan for your circumstances. Here are some of the services I offer you when I bring you on as a client: Free advice and support on lending and house buying process Personalising loan structure to suit your income and monthly expenses. Give you best mix of certainty of repayments (fixed loan) and flexibility (floating loan). Help with strategy to minimise interest payments to the lender Free property background reports helping you determine a comparable value Help quarterback the house purchase with you, solicitor, trust adviser, insurance adviser, accountant, real estate agent, valuer and other professionals. Referrals to other trusted professionals if needed. (i.e. insurance adviser, solicitor, trust adviser, accountant, real estate agent etc). General advice on future investment property and tax benefits (if required) Using adviser group leverage and current market conditions to negotiate interest rates, cash contributions, and possible waiving of certain bank application and refix fees. Help you manage your loan(s) going forward. i.e. dealing with overpayments, refinances, refixes, reviews, topping up loan for renovations etc, new home loans Deal with 30+ lenders as your personal banker to deal directly with each banks lending unit for your home loan. Help with ordering valuations if required, and negotiation of the valuation requirement with lender to save you money. Ease of application (1 application rather than multiple), less stress. Protect your credit rating when applying. (Applying more than once can harm your credit). Provide best application presentation to the lender for to maximise your chances of a loan approval. Keep information private for house purchase purposes and related services only. Call me free on 0800 11 LIFE for a free appointment.