How much do you cost?
There are no direct fees for our service. We get our income on commission from the bank for brokering a loan.
Are you a mortgage broker?
Yes. We can provide a range of mortgage and loan options to suit your unique situation and goals. However, we are so much more than a broker. We offer a wealth of hands-on experience and advice to give you the strategy you need to achieve your financial goals and avoid common mistakes.
The bank said no. What next?
Talk to us! We have access to a wide range of lenders, including non-bank lending. Leverage our experience. We can help you find the best solution possible.
I have been turned down everywhere else, can you help me?
We will do our best! We help clients from all walks of life, and we have the flexibility of working with a wide range of lenders. The most important factors we consider are your ability to service the mortgage, your employment stability, and an adequate deposit.
How long does it take to get approved?
This can vary. Banks and lenders take up to 10 working days to get back to us. Rest assured, our adviser will work with you to ensure your application is processed as quickly as possible, and that your application is submitted to the right lender if you have a deadline to meet.
What if I haven’t found the right house?
That’s okay, you can still apply. We can help you find a property to purchase or work through a pre-approval. We’re here for you, every step of the way.
What details do you need from me?
Once you have completed the online application, your dedicated adviser will guide you through the application process. We’ll need you to confirm your income with bank statements and payslips, as well as show a valid Passport or NZ Drivers Licence, and proof of your address.
What is a pre-approval?
A home loan pre-approval is acknowledgement from the bank or lender that you can borrow an agreed amount, provided the property meets their criteria and conditions.
What is a LIM report?
A LIM report is a summary of information that your local council holds on a property. It may include information about erosion, subsidence, slippage, flooding, presence of hazardous substances, stormwater and sewerage drains, and rates, including any overdue rates.
What is the difference between a conditional approval and an unconditional approval?
The main difference is an unconditional approval means your lender has approved your loan and you’re ready to purchase your property, whereas a conditional approval is given when certain conditions are not yet met, usually when a buyer has not yet found the home they wish to purchase.
What can I use towards my deposit?
There are a number of options: your personal savings, your KiwiSaver, First Home Grant from Kāinga Ora, help from family (including gifting, loans and guarantees) and you can also use existing equity.
What are the benefits of using a mortgage adviser/financial adviser?
The top advantages of using us for your home loan are:
- We do the work for you! Forget multiple applications. Complete one application with us and we will take care of the rest, including liaising with banks and lenders.
- Knowledge and advice. Our advisers are up to date with the property market and current regulations, along with the current lending criteria of our banks and lenders, so your application goes to the very best place under the very best conditions.
- One point of contact. Your dedicated adviser will be with you every step of the way. We want to help you achieve your home ownership goals, whether it’s your first home or a growing portfolio.