About Nardene Shatford
I have years of experience in the banking sector working as a lender and then an Assistant branch manager at one of the major banks. My strong industry background is backed up by my passion to genuinely help individuals and families reach their home ownership goals.
I have a drive to not only get the right answer for you but also to provide support and guidance throughout the whole process and for years to come. This means working with you to get into your first home, next home and investment properties.
First Home Buyers
As a first home buyer, there are countless options for you to explore. Your KiwiSaver and government entitlements are just the start. Each bank and lender will treat your position differently so exploring all your options is important to make sure you are maximizing you opportunity for the best approval. With interest rates at an all time low, first home buyers are in the best buying position they have ever been in.
Your home loan is a large and often long-term financial commitment, so it makes sense to get it right first time to set yourself up for success. What’s right for you depends on a range of factors including the size of the loan you require, the property you intent to purchase, the deposit you have and your lifestyle.
There’s a lot to know about investments loan, such as how to choose the best investment loan that meets your needs and goals and knowing which lead will maximum your borrowing ability as an investor. A good investment loan can make property investment and portfolio management a much smoother process.
Many People refinance to get a better rate, consolidate debt, renovate or free up equity. If you’re thinking of refinancing, it’s important to weigh up the cost of refinancing against the long term benefits.
Often, self-employed borrowers find meeting the lending criteria for standard home loan difficult. Business cash-flows create income that fluctuates more significantly than other borrowers. Business owners looking for home and business loans do have competitive options available to them.
Land & Construction Loans
A land and construction loan provides funding for building property or extensive renovations, so you have the lowest possible repayments during the construction phase.
As the name suggests, a bridging loan ‘bridges the gap’ between two home loans. Bridging home loans are a good way to buy a new property before the sale of your existing home.
Is property still a good investment?
There's no doubt; many potential property investors were spooked by the government's housing policy changes announced in March. What once was a cast-iron investment option suddenly seemed less attractive. However, despite the changes to tax concessions and the bright-line test, there's little evidence that landlords are selling up in any significant numbers. So, is property still a good investment?
First home buyer stress: 5 tips to help you manage the process for a better outcome
When it comes to stressful life events, buying your first home is up there in the top ten. Here we share some tips to help you manage the process for a better outcome.
Has The Government’s Housing Policy Changes Made A Difference?
This year's Budget had little of substance concerning the property market. However, given the significant housing policy changes announced in March, it’s probably not surprising.