Home Lending Services
All it takes is a little of your time.....
Maybe you have the desire to own your own home or are reassessing your current home loan? Maybe that investment property or holiday home has caught your eye, or you may even be looking to release equity on your existing home! No matter where you are at along the path of home ownership you will want to ensure you are getting the best advice about what the bank or finance companies have to offer mortgage wise ....and we would love to help.
Firstly lets dispel a few myths:
Costs are hidden?
For arranging a straight forward lend with a main bank our service has no fee, honest. The bank pay us. If it's a more complex scenario that requires extensive time with minimal lending generated we can discuss potential cost before its incurred. No surprises.
Any associated costs that may arise if you decide to refinance i.e, valuation or solicitors fees will need to be met by you however, nothing will be entered into without your say so. Most banks are currently making cash contributions which more than cover these kinds of fees, the value of these are determined on a case by case basis and will be tabled along with any offers for your consideration.
All mortgage brokers are commission grabbing sharks.!
Definitely not true!!!
We will take the time to discuss your wants, needs and preferences - together we establish the ideal arrangement.
We will 'package' your requirement and approach the Banks/finance companies that will best meet your needs.
Mortgage brokers place the mortgage with the highest payer.
Definitely not true either - we are independent, unbiased professionals. Our great reputation speaks for itself.
Once approvals and offers are back we put them to you, and YOU choose whom to place your lending with. Upon settlement of the loan they will pay us a commission.
If you decide not to progress with any of the options for some reason, that's fine too - there is still no charge. We'll be ready when you're ready.
We are an independent broker - we have no allegiance to any bank or lender. We are members of the NZFSG, this gives us market leading software to assess your loans AND great buying power.
Quite simply your local banker at your existing bank does not have access to the prices and packages that we do.
We will take the time to discuss your wants, in person and by secure portal we gather the info required to establish your needs and preferences - together we determine the ideal arrangement for you.
We will 'package' your requirement and approach the Banks/finance companies that will best meet your needs as agreed during our planning session. Having been in their position we know what information they need, how best to present it. You will get a copy of the application- full transparancy.
Once approval/s and offers are back we put them to you, and YOU choose whom to place your lending with. We will make a reccomendation based on facilities/price etc .We stay in the picture through settlement date and beyond to make sure all is going smoothly.