There are a number of mortgage finance options from traditional banks as well as non-banks and specialist lenders to help you buy or refinance your home. Home loan rates are very important but are only part of what needs to be considered. Getting the right home loan really depends on rate, what your short term and long term plans are, is it for you or a tenanted property, do you have a good budget surplus or are you on a tight budget. These are only some of the points which need to be considered before you get locked into a long-term fixed rate.
If you are a first home buyer, you could qualify for a Welcome Home Loan so make sure you contact me and find out whether you qualify. In most cases you could use your KiwiSaver as your deposit and if a family member wants to give you a deposit, then that is normally ok as well.
My mortgage finance service is free to you and I can meet with you at a time and place which suits you, so there is no need to run around after work, or in your lunch hour. Just call me and I will come to you and talk with you about your options.
- New mortgage finance
- Building a new home
- Gifted deposits
- Investment properties
The lending criteria from banks change frequently and your ability to borrow can also change regularly based on banks lending criteria, and they are not all the same. I have been a broker since 2002, so make sure you contact me first and find out what you can afford.