Mortgages For First-time Buyers

If you’re a First-time Buyer, you may have spent the past few years saving for a deposit to help you get on the property ladder. You may have also started a Kiwi Saver. You may be struggling to reach the standard 20% deposit but are desperate to get into your own home. Talk to us. There’s more than one way to give lenders confidence that you can afford a home loan,

The next step is to find out how much you can borrow so you’ll have a better idea of the type of property you can afford to buy.  We are here every step of the way to help you through the maze of your first home loan.

Thinking Of Refinancing Your Home Loan?

A refinance loan is a new loan you can take out to pay off an original loan. When interest rates fall, home owners rush to refinance mortgages, often without pausing to consider whether doing a refinance is a good idea or if it makes financial sense. It can be  easy to be lured by the siren song of lower mortgage rates; however, the rates themselves are only a tiny portion of the bigger picture.

We can help you decide if refinancing is a good idea for your circumstances and give you the bigger picture. If it is, then we’re here every step of the way to secure a new structure for your borrowing. Benefits can include lower interest rates, longer or shorter terms and easier monthly payments.

Thinking Of Moving Home?

Are you thinking of moving home? Children left home and down- sizing or growing family and ready for a larger property? Talk to us as soon as possible. Together we can work out how much you can borrow and then find the best home mover mortgage deal to suit your individual conditions.

Moving home can be more complicated than a first time purchase due to the involvement of a sale and a purchase with timing being more crucial. As a home mover, you also have more choice of lenders and mortgages than you may have seen as a first time buyer. This is due to the fact that you have built up a better financial status due to being a home owner or because you have a larger deposit from the built up equity in your home. The easiest way to achieve the very best deal available to you is to contact a fully qualified and highly experienced independent financial advisor that’s where we come in.

Looking For Commercial Finance?

Commercial finance allows businesses of every size to achieve their goals by investing in assets, taking on new staff and keeping a healthy level of cashflow. There are many different types of commercial finance available to meet the specific needs of businesses at every stage in their lifecycle.

Many commercial finance products are similar to the products available for private individuals. Commercial mortgages are structured in very much the same way as homeowner loans. However, there are also a number of commercial finance options that are unique to the business world.

Looking to invest in new equipment, move premises or invest in training let’s talk. Funding comes in all shapes and sizes, so one of the first and most difficult decisions you’ll have to make is to decide which option is right for you. That’s where we can help.

Looking To Buy An Investment Property?

There’s lots of questions to ask yourself if you’re looking to invest in property.  Why are you investing in property? Is it to generate an income, is it to build wealth, is it a form of savings for retirement or is it a combination of all these?

Property investment advice is one of your greatest assets as you grow your property portfolio.

Choose your financial advice carefully before you start investing in property to save time and money in the long run. We’ve helped many landlords secure their long-term goals with investment lending that suits their lifestyle today.