Your Local Mortgage Adviser servicing Ponsonby, Grey Lynn, Sandringham, Mt Albert, Kingsland and surrounding suburbs
Finding a mortgage that fits your needs and requirements can be confusing and sometimes daunting. Not all mortgages are the same and that’s where my expertise and knowledge will guide you through the process with ease. I will make sure you can borrow the maximum amount you want to borrow (as all banks have different criteria) as well as ensure you receive the very best pricing available for your situation and hold your hand through the process to ensure a very smooth process occurs.
First Home Buyers
It can be a struggle understanding the banks jargon, what is classed as a deposit or the difference between fixed rate, variable rate or off-set mortgages. That’s where I come in. I will talk you through everything mortgage & buying related to ensure you understand the process thoroughly. It’s a large commitment making that first step in the housing market, so getting your mortgage right is important. With access to New Zealand’s widest range of banks and lenders you know & trust we will find the right mortgage that fits your needs.
Residential Home Loans
Looking to buy/sell/top-up for that holiday or even do a debt consolidation. Whatever your requirements I am here for you every step of the way. I take the stress out of it all, so all that time you save can be better spent on doing the things you love doing. Why take a day off work or even worse – miss out on that fishing trip or catching up with friends over a quiet vino or two because you’re too busy trying to figure out which bank offers what rates. Give me a call and let’s talk!
Looking for a great deal and don’t know where to start? Should you even need to use a mortgage adviser if you’ve already got a mortgage??? My answer to everybody is YES! Most Definitely. I specialise in this sector. Let me work my magic on getting you a great interest rate with the best bank that suits your needs. I can even offer a solution that carries no legal fees to refinance saving you substantial cash.
We all like to think we are savvy when it comes to investment properties. High Yield, Economy Growth, Capital gains… but what about the mortgage, structure & interest rate? That’s just as important as the purchase itself. Did you know that some banks charge a higher interest rate for investment lending and some don’t? I have access to New Zealand’s widest range of major banks and lenders to ensure the very best solution for your investment lending.
Have you got your two years financials or are you recently self-employed and looking for a mortgage? I can help. With access to New Zealand’s widest range of major banks and lenders I can find the right product for your needs.
Building your dream home is exciting but can also be stressful. Let me ensure that the mortgage you need to fund that dream doesn’t turn into a nightmare. I can manage and advise you through the progress payment phase of funding your home and ensure you get the right advice and once built help to structure the loan so you repay the debt as quickly as possible literally saving you thousands in interest.
Return of LVR restrictions: What it means for first home buyers and investors
The much-anticipated return of loan-to-value (LVR) restrictions kicks in from 1 March. The Reserve Bank removed the restrictions at the start of the Covid pandemic. At the time, the Bank wanted to promote cash flow and increase economic confidence. However, the economy has bounced back stronger than expected. And record house prices plus intense activity from investors have led to their reintroduction. So, what does it mean for first home buyers and investors? Here, we provide an overview of the main implications.
Changes to tenancy laws: What you need to know
The biggest reform of tenancy laws in New Zealand came into effect on 11 February. The government aims to provide a better balance between the rights of tenants and the interests of landlords. Here’s a quick guide to the main changes and what they mean in practice.
Bank of Mum & Dad: Pros and Cons of helping kids purchase their first home
A combination of low-interest rates and soaring house prices have seen many young Kiwis struggle to get on the property ladder. It’s no surprise that more and more are turning to the bank of mum and dad for help with the deposit.