About Vicki Kemp
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.
Disclosure Statement
Self-Employed
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.
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!
Refinancing
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.
Investment Mortgages
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.
Construction
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.
Latest News
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Low credit score: What are the options?
Getting turned down for a home loan because of a low credit score can be disheartening. However, it doesn’t mean it’s the end of the road. The good news is it’s still possible to achieve the dream of owning a home. In this article, we explore the options available.
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New housing policy targets property investors
The government's much-anticipated housing policy announcement caught many commentators by surprise. The extension of the bright-line test was widely predicted. However, removing landlords' ability to offset their interest expenses against rental income caught everyone by surprise.
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Preparing to win at auction: Tips on how to get the best outcome
According to the latest statistics from REINZ, nearly a third of all homes were sold under the hammer in New Zealand during February. That’s a whopping increase of over 16% on the same time last year. With more properties than ever being sold at auction, it pays to have a strategy prepared in advance. Here are our top tips to help you get the best outcome at auction.