Mortgage Broker in Howick, Dannemora, Botany Downs and surrounding suburbs
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 10 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.
First Home Buyers
Are you finding the whole purchasing process a bit daunting? Are you looking for clear, professional advice, which is in your best interest? I would love to be able to assist you in purchasing your first home. I love helping people and assisting them into their first homes.
Are you disgruntled with your bank? Is your bank no longer competitive? Our team at Highland Park can make the process of refinancing your home loan very smooth and seamless.
Would you prefer to utilise other people’s money to grow your own portfolio? Would you like to know how to best structure your mortgages to protect your portfolio?
Are you having difficulty obtaining mortgage loans as a self-employed person? Does it feel like the person you are dealing with does not understand your personal situation?
Read some testimonials from my valued customers.
Debt to Income Ratios (DTI) Policy is Gathering Momentum
The Reserve Bank has recently released a consultation paper to consider the impact of debt to income ratios on the market. I am personally quite positive about any measures that are there to protect our financial stability and limit our exposure to a financial downturn, however if they impose it, they need to ensure it does not inhibit first home buyers from getting on the property ladder.
To Buy or Not to Buy
I'm often asked for my opinion on whether it is a good time to buy or not. As I refrain to give investment advice, I thought I'll highlight my normal response and belief. I believe that over time property is a better investment than any other investment vehicle, even if you buy at the height of the market.
The effect of increased interest rates on the property market
An update on the NZ property market… Between loan-to-value ratio restrictions, higher interest rates, and credit rationing, it’s perhaps unsurprising that demand isn’t as high as it was a year ago