Nick Kotze

Loan Market Mortgage Adviser servicing Howick, Dannemora, Botany Downs and surrounding suburbs

About Nick Kotze

The best investment you can make, with a guaranteed return, is to pay off your debt! Start by paying off the debt with the highest interest rate or consolidate your high interest rate loans into a loan with a low interest rate.

Why use a mortgage broker?

Getting a mortgage is one of the most important financial decisions you will make in your lifetime. By choosing the right mortgage first time round you can save thousands of dollars over the loan term (it is very likely that the best product is not at your current bank). That's why you need advice from a qualified mortgage broker who has access to a wide range of mortgage deals, including some mortgage products which are not generally available to the public directly. If you already have a mortgage then a broker may be able to help you reduce the amount you have to pay.

First home buyers

Buying a house is one of the biggest and most important purchases you will make. I know and understand that buying a home for the first time can be a daunting prospect. With so many factors to consider it can be difficult to know where to begin when looking for your first mortgage. I can help you through the process - I know the pitfalls and have read the fine print!!


The credit crunch has seen many lenders pull out of the mortgage market and the criteria of certain lenders are getting tighter and stricter. This has made it increasingly difficult for landlords to find the appropriate loan product for their investment, something that suits their overall strategy.

The lack of liquidity in today's market has created conditions in which mortgage products and rates are often withdrawn at short notice. With a close working relationship with many lenders, I am well placed to offer professional advice to service your financial needs.

Refinancing a mortgage

When to refinance, how to refinance and, most importantly, why to refinance are some of the questions I can help you with.

For example:

If you refinance to a product which charges 0.5% less interest on your current loan of, say, $400,000, that equates to approximately $2,000 savings per year. Multiply that by the amount of years left on your loan and you will find a compelling reason to phone me to see if I can help you achieve such a saving at no cost to you.

Non-conforming loans

What does 'non-conforming loan' mean? It means that we can help people whose situation is not box standard. This means I may be able to assist:

  • good people with bad credit;
  • good business people with limited proof of earnings;
  • new arrivals to the country with limited proof of income.

If I cannot help I will certainly try to give you a few pointers that might help you obtain finance in the future.

Call now for a free consultation: Nico Kotze 09-9734828 or e-mail

Home loans for all situations

I enjoy assisting with all types of home loan packages, regardless of how complex or simple your situation may be. I have experience in securing a wide variety of mortgages including:

  • 90% LVR (Loan to Value Ratio) Mortgages
  • Poor Credit Mortgages
  • Investment Mortgages
  • Fixed/Variable Rate Mortgages
  • Reducing Limit Mortgages
  • Revolving Credit Mortgages
  • Flexi Mortgages – i.e. Allowing payment holidays, over payments etc
  • Equity Release
  • First Time Buyer Mortgages
  • Interest Only mortgages
  • Low Doc Mortgages – Designed for people unable to verify their income

Why use me?

With hundreds of products to choose from, a qualified mortgage broker can help you make the right choice. I will go the extra mile for you. With more than 8 years of experience in property investment, I have been using mortgage brokers to source the best possible finance for both my investment properties and personal properties alike. I have sat on the other side of the fence, from being a first time buyer with a 101 questions to a professional investor who needs finance approval yesterday.

In essence, I have probably been where you are at the moment, whether it be looking for someone to take the hassle out of finance or just someone to lean on. If I cannot help you I will certainly try to point you in the right direction.

So, rather than trawling the high street and agonising over your choice, you could save time and potentially a large amount of money by contacting us and getting the right mortgage quote for your situation. Best of all, your consultation does not cost you anything!!

Call now for a free consultation: Nico Kotze: 09-9734828 or e-mail

Community involvement

My most recent community project was completed in March 2010. I was part of a maintenance team of volunteers from our church, Life, to give Glenbrae School (which was lacking in resources) a total make over. It was great to be part of the team which was making a lasting difference to others.

NZ customers

With access to the latest technology, I am able to service clients from Invercargill to Whangarei. So why not give me a call for an informal chat to see how I can assist you?