Your local mortgage adviser in the East Tamaki, Mt Wellington, Onehunga, Ellerslie, Remuera
Buying your dream home can at times seem stressful, but it really doesn't need to be. I work hard to make it as easy and stress free for you as possible. Why give up your precious time sitting at the bank when I can work on your behalf to help make the dream come true.
Your home loan will most likely be the biggest investment you make. The type of home loan you require will vary depending on your current situation, and goals you want to achieve now and in the future. I make sure you get the right loan and the best deal to suit your personal needs and goals.
There are many reasons to think about refinancing your current home loan such as taking advantage of lower interest rates, consolidating short term debt, topping up to buy a vehicle or second property, renovating and the list goes on. It’s important to weigh up cost vs benefit when refinancing.
With many ways to structure an investment loan, it’s important to know what suits your situation and make sure it creates wealth down the track.
First home buyers
There are a number of factors involved in buying your first home. I am here to discuss the different types of home loans with you and find out if you are eligible to use KiwiSaver for your deposit as well as take advantage of government grants. With interest rates being low and property prices levelling off, first home buyers are in a good position to enter the market.
Land and Construction Loans
Land and construction loans provide funding for your build project or extensive renovations/repairs. You only pay for the amount of the loan that has drawn down for each portion of the build, keeping your payments at a minimum throughout the build process.
Being self-employed can sometimes make meeting standard home loan lending criteria difficult as it’s common to have fluctuating income but, business owners looking for home loans or business loans do have competitive options available.
If you want to go on holiday, buy a new car, have the wedding you’ve been dreaming of, buy new furniture or pay for tuition or even medical expenses, a personal loan may be able to help you get what you want or need.
Bridge the gap from one property to the next. Don’t miss out on your new home because of mismatched settlement dates, use a bridging loan to get you across the line.
Commercial and Business Loans
I have relationships with a large network of commercial lending specialists including major banks, non-bank lenders and finance companies. I am able to assist with business finance for expansion, investment funding, leasing, purchase or refinance of commercial properties, retail shops, industrial land, factories and offices or cash flow lending.
Speed up your loan payments and save $$$
Sometimes the tectonic weight of a home loan exerts nearly enough pressure to create diamonds from worries. And debt moving south at a glacial pace, has you questioning the home buying journey.
Developing your property portfolio
There’s no place like home. More so when you own! As a member of the mortgage club, you might be wondering what your next steps should be.
The current/future state of NZ house prices
Whether it’s tea leaves in the bottom of your cup, the behaviour of the birds, or the slightly hesitant tap of a gavel; the property market is trying to tell us something. The folks at Quotable Value (QV), who trust plain old numbers, are saying Auckland’s prices are declining, while NZ’s in general, are slowing. PM Ardern’s decision to bury any plans for a capital gains tax could be a stroke of clairvoyance.