We go beyond finding you the lowest mortgage rate, which often only delivers short-term gains. Instead, we take into account your lifestyle, money style and your financial goals to find you a financial product that works with your needs.
We’ve helped many individuals and families get into their first home. Whether you’re full-time, part-time, a business owner or self-employed, we can with everything from pre-approval to demonstrating proof of income and consistency with the banks.
We’ll make sure you know how much you can borrow and how much you can comfortably repay. We’ll also get you thinking about additional must-haves like insurance and that your KiwiSaver or savings will cover your deposit.
From here, we’ll help you with the pre-approval process and once an offer has been accepted, optimising your mortgage structure. Our advice is tailored specifically to your lifestyle, situation and future goals, whether you’re single, an investor, or have a family.
Whether you are building your dream home or undertaking major renovations, building a house is a stressful process. Working together you’ll gain solid advice so that you know your borrowing capacity and have a plan for the unexpected.
Your loan will depend on a few factors including your overall financial position, how much the build costs and the type of project it is. We’ll work with you to determine your borrowing capacity and secure pre-approval. We’ll help you with the right documentation to make this happen.
From here we can get you the right home loan for your needs. If you’re building from scratch, principal payments only start after the completion of the project. Until then, you can draw down funds as your home is built and you are invoiced for work.
We aim to work with you throughout the lifetime of your loan. While this may initially be thirty years, our goal is to help you pay it off faster. We’ll talk to you about your current lifestyle, changes in income and life goals to secure a better rate or different structure.
As your loan approaches the end of its term, we’ll be in touch. While you can secure a new rate with your existing bank online, we can take into consideration any changes to your lifestyle as well as the likelihood of any market changes on the horizon, for better results.
Life changes, and your mortgage should too. Whether you’ve welcomed the patter of tiny feet, are approaching retirement or want to get mortgage free faster, we can restructure your mortgage to fit.
Whether you are investing for retirement or for a deposit on your first home, small changes early on can make a big difference to your savings.
Being in the wrong fund type for your life stage could mean the difference between retiring early or later, and with more or less retirement savings. We can make sure you’re in the right kind of fund for your age and life stage.
We can work with you to maximise your contributions as your income increases, or your mortgage payments decrease.
Whether you’re about to start the home ownership journey or would like advice on paying off your existing mortgage faster, we would love to hear from you. Let’s start with a conversation.
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