About Jo Kneale
Buying a house in New Zealand is a major investment. Many home buyers find it can be an even more expensive process than it needs to be because they make some common and costly mistakes. These mistakes may trap them into either paying too much for the home they want, losing their dream home to another buyer, or they could even end up buying the wrong home for their needs.
A methodical approach to the home buying process can help you steer clear of these common mistakes and will allow you to cut costs and buy a home that's best suited to you.
First home buyers
First home buyers are my favourite clients; it is rewarding to help them achieve a good result on what will be one of the most important financial decisions they can make. I make sure they understand the whole home loan process and work as their advocate throughout the process.
Home loans for the family house
Families are so important. As the mother of four children ranging in ages from 21 years down to 6 years, I am aware of the stress of fitting in time to assess things such as finances. I make it a priority to ‘fit’ in with your schedule and find a home loan that will ensure that financing your house at least is as stress-free as possible.
Single young professionals
With busy lives and burgeoning careers, single young professionals are often time-poor and don’t have a great deal of time to research nor fill in all the paperwork that goes with taking out a mortgage. Securing home finance can be a daunting experience so I will ensure the process goes smoothly and that your free time is not all used in the search for the right home loan.
Residential investment loans
I am practised at working with the client and relevant professionals to find the right loan structure to make the most of investment property purchases. Whether this is through the use of a Loss Attributing Qualifying Company (LACQ), Trust or just purchasing as an individual, I have helped many people to improve their prospects of a tax refund and achieve useful income and profits from their investments.
If you need assessment of your current investment finance or would like assistance getting it right the first time, I will work with your accountant or financial planner to make sure you achieve the best outcome for your circumstances.
My professional mortgage broking service
- Referrals account for 95% of my business, due to the trust and rapport I have built during previous business relationships
- I have extensive mortgage and financial experience stretching over more than 27 years
- My commitment to working with individuals to achieve their goals is unwavering
- I have owned property in the Auckland area since I was 18 years old and therefore am very familiar with the local housing market
Business community involvement
I have long-lasting relationships with a group of professionals including solicitors, real estate agents and valuers, who all provide an excellent level of service to my clients.
I offer a fully mobile, professional mortgage broking service to customers in and around the following areas: Mt Eden, Posonby, Grey Lynn, Mt Albert, Sandringham, Avondale, Epson, Western Springs, Pt Chevalier and Westmere.
Five reasons why you should use a Mortgage Adviser
With interest rates at an all-time low, there’s never been a better time to get a home loan. However, navigating your way around all the deals on offer is confusing. Loan Market’s nationwide team of more than 120 advisers can help make sense of it all. Securing over $300 million in home finance each month in New Zealand, our mortgage advisers know the market inside out.
The importance of pre-approvals: All you need to know
The property boom is showing no signs of letting up any time soon. It’s super competitive out there with many vendors receiving multiple offers within just a few days of going on the market. So, if you are looking to purchase your first home or make a move, pre-approvals are essential.
Low credit score: What are the options?
Getting turned down for a home loan because of a low credit score can be disheartening. However, it doesn’t mean it’s the end of the road. The good news is it’s still possible to achieve the dream of owning a home. In this article, we explore the options available.