Your local Mortgage Adviser Tenzin Choedon
After 17 years in the financial services industry, with the last two working locally in the bays, I can help you understand all those tricky questions. Applying for a mortgage can oftentimes be confusing and I am here to guide you through the process whether you are purchasing your first home or investment property.
I am very much local, and committed to providing quality advice and service every time. Our team has over 20 years combined experience in the financial services industry and we pride ourselves on our ability to listen and closely understand our clients and take the time to answer every question. We ensure You are kept informed from the first appointment through to settlement and keep in touch post settlement. ESSENTIALLY WE WORK FOR YOU AND NOT THE BANKS!
All banks are not the same so a good knowledge of their products and policies can mean the difference between a seamless application process and one that gets knocked back. We work with both Banks and Non-Bank Lenders to ensure we find the best product and structure to suit your unique situation and obtain a competitive package from a lender who appreciates your business. We also have a strong relationship with Lenders which helps us negotiate a better deal for you. This can be a higher approval limit, discounted rate, fee waiver or a quicker decision. In some instances it can be all of the above.
We can assist with First Home purchases, Construction Lending, Refinancing, Debt Consolidation, Purchasing Investment Properties, Top up on Existing Mortgages and Fixed Rate Renewals.
First Home Buyers
I can assist with low deposit, new arrivals in New Zealand and advise you on using Kiwisaver and HomeStart grants.
Investors & Property Developers
I can help you grow your investment portfolio and source short term funding to complete your next project.
I can help source other options if you have been declined by your existing Lender and/or are unhappy with your bank.
With/without financials, we can explore options for you.
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.
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.
Has The Government’s Housing Policy Changes Made A Difference?
Last week’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.