Firstly, my service to you in most cases is free! The lenders pay us to do the work for you. A house is often the largest purchase we make in our lives, and a home loan is usually our largest financial commitment. Choosing the correct mortgage and repaying it quickly can save you thousands of dollars, my aim is to help you with all aspects of your home loans.
Secondly, A mortgage Adviser is an intermediary between the borrower and a lender. As mortgage Adviser, we will work with you to determine your specific requirements and offer you a range of mortgage solutions, from different lenders, tailored to your needs.
Thirdly, we do the hunting, scouring, and hustling to secure the best package for your personal situation. Even if you think it isn’t possible, you could be surprised at what we can find for you. I’ll guide you through the application process and requirements right from our first chat through to your property purchase and beyond.
Lastly, working with us will save you time, give you access to a range of lenders, and will save you money.We’re experts in the field of home loans, will make you understand complex things in easy language, and make sure to always get you the best deals through your loan life cycle.
I am a licensed financial adviser with qualifications in New Zealand financial services. I have worked for the largest New Zealand bank and have been working in the banking and financial services industry for many years. I have bought and built properties myself, so I know the ins and outs to make goals become reality. Whether you are an individual, a couple, family, or friends, I’d love to help.
Alongside skills and experience within the financial service industry, I have completed a National Certificate in New Zealand Real Estate which has given me sound knowledge of New Zealand’s property market. The combined knowledge of NZ’s real estate and financial services gives me the ability to help my clients in a better way and gives me the ability to achieve the best outcomes matching your circumstances.
Looking for a home loan package can feel very stressful! There are a lot of unknowns, and it takes time and can feel overwhelming and confusing. I love doing the hunting on behalf of my clients, giving them the right advice and ability to make the right decisions. So, you avoid the pitfalls and move quickly towards achieving your financial goals.
We can help you when you are looking for your first home and don’t know whereto start. We will hold your hand throughout the Home Ownership Journey, our aim is to deliver an... exceptional experience and make sure you are always getting the best deal. We are always available to help you navigate through the uncertainties of Home Buying.
Your financial circumstances keep changing with time. When you first purchased your home, you may have been locked into a specific bank. You ll be surprised, a minor change can save you thousands over the... term of your mortgage.Whatever your situation, now you’re a couple of years on, it’s most likely time to reevaluate. That’s exactly what we will help you with.
Life throws unexpected expenses on us from time to time. When you need a bit extra for those unexpected expenses, we can help you get those funds needed for any unplanned/lifestyle needs and ... even move your mortgage to a provider who can understand and align themselves to your financial objectives. We’ll only recommend a change if it works in your favor. You’ll be surprised by how easy your life becomes once you make some of these changes.
Property investments can make good sense at times,but the numbers must stack up for it to truly pay off. We will provide you with professional advice on how much you can borrow, the structure of your mortgage, ... and interest rates. Wewill help you to get the right property investment loan in place and will be there each step through your investment journey and as you grow your investments.
We meet you for the first time and explain to you our scope of service/how we can help you. Answer any questions you may have about our service. This helps you decide whether to seek, obtain or act on the advice we give to you.
We ask you questions about your personal information and financial position. This helps us establish your current financial and personal situation. We obtain quantitative and qualitative data, gather relevant documents, establishyour needs and priorities, and establish your risk profile.
At this stage as an adviser, we are looking at your whole financial and personal situation, understanding where the gaps are between your current and desired position, and starting to consider how we can help you achieve your objectives. We complete an assessment of your strengths and weaknesses.
We hunt for the best deals for you and negotiate with lenders. We match you with the lender, who fits closest to your needs, and wants, and will help you achieve your short- and long-term financial goals. We explain the drafted plan which includes things like discussing your loan structure, loan term, type of loan, understanding benefits, and risk, and more,and we take the opportunity to answer any questions youhave; this is to make sure you fully understand the plan. We obtain your agreement to proceed.
Legal documents get produced. These documents get sent directly to your solicitor. Once your solicitor accepts them on your behalf you are ready for settlement day. On settlement day the bank sends funds and a statement to your solicitor who will distribute them to relevant parties, typically the vendor, the real estate agent, and their own bank account for their fees. In the case you are topping up this doesn’t typically require a solicitor so the bank documents and funds will get sent directly to you.
To ensure your loan structure and your lender remain relevant to your situation we take the opportunity to regularly review your plans and make sure you are always on the best possible deal. We usually meet with you every 12 months or as required to review your further needs. We usually checkif there has been a change inyour income, any change in the number of dependents, any change in marital status, change in employment or residence, any change in your debt levels, or your future goals. Based on the findings we offer further consultation.
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