Services

firsthomebuyer

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.

ownhomebuyer

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?

investmentproperty

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.

interestrate

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.

banksaidno

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

KiwiSaver

We’re big fans of KiwiSaver. If you’re employed, we think