Services

First Home Buyers

We love working with First Home Buyers and we are trusted Advisers for the First Home Buyers Club. Our First Home Buyers are always enthusiastic. We love to guide them through their KiwiSaver applications, HomeStart Grants, 90% lending possibilities as well as teaching them how to structure their mortgage so it is best for them and their circumstances. There’s no point in owning your own house if you can’t sleep at night!
It’s never too early to start talking to us. Even if you’re not planning on buying for a couple of years, come in and chat with us. We’ll start working on a strategy today.

Own Home Purchase

If you’re looking at upgrading your home, there are few things you need to prepare for. Are you looking to sell your current home? Do you need Bridging Finance? Are you looking to convert your current property into a Rental? How will the banks deal with this from an LVR point of view?

Investment Property Purchases

Investment property is becoming more and more difficult. The government is using it as a lever to curb finance. It’s our job to find you the maximum amount you can borrow. At the same time, we’ll make sure you’ve setup the best tax structure possible by working with your Accountant. A correct tax structure can save you many thousands of dollars a year. It is well worth the discussion.

Interest Rate Negotiations

It’s almost time to refix your mortgage. How do you know if the bank is offering you a fair deal? How do know which option is best? Is it better to fix long term or short term?
We don’t charge to chat about your fixing your mortgage.

The Bank Said No

Sometimes you’re just not right for the banks. Sometimes it’s your fault and sometimes it’s not. Either way, there are a whole lot of non-bank lenders looking forward to lending you money. It won’t be as cheap as a bank but often it’s not that far off either.

KiwiSaver

We’re big fans of KiwiSaver. If you’re employed, we think it is one of the best places to put your money if your Employer matches your contributions.

And when it comes to buying, it might be possible to use your KiwiSaver as a deposit. You can trawl through the complicated websites which go through the rules, or you can get in touch with us and we’ll walk you through it.