New Home Loans - Refinancing - Investment Property - Lending - Other Advice

New Home Loans

First Home Buyers - our personal buyers advocacy service can save you many thousands of dollars by highlighting the potential pitfalls of buying your new home.  For our pre-approved home loan customers we can support you tabling an offer on your new dream home or at auction during the bidding process.  
Transferring Homes - if you're not sure where to start let us guide you.  If you're existing home has not been sold but you wish to buy a new home first you may need to consider "bridging finance".  Lending policies differ widely in this field so let us support your aspirations.
Renovations - Whether it's refurbishment or major extension let our expertise and personalised one on one service make it care free for you.
New Builds (construction or turn-key) - Many customers are turning to new as a way to get a foot hold into the market especially as the Reserve Bank encourages new housing stock through lower deposit requirements.  

Interest Rates - With lending access to the very best of the major banks we'll source you a competitive interest rate to match your circumstances and profile.  
Loan Optimisation - Actually this is far more important than interest rate as we can save you more money doing this properly yet it is often overlooked, not with us!
Expiring Rates - What should I do, is my bank offering me a good renewal, should I take it, is my business being valued?  We provide honest obligation free advice to help you decide where to from here.
Self-employed assistance - We have a range of options for you with different lenders so let us know your circumstances and we'll see what we can do to find a solution.
Low Equity Loans (less than 20% deposit) - The Reserve Bank have applied "speed limits" on the amount of lending NZ trading banks can write and it's not a lot but when there are a variety of bank options available the difference between them is like night and day.  Let us throw some light on this.

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Refinancing

Do any of the following circumstances sound familiar:
-     you've applied for more finance through your existing bank and they said no.
-     you want someone to value your business.
-     you want a higher level of customer service.
​-     you want a competitive deal.
-     your circumstances have changed and you wish to alter your existing arrangement.
-     the structure that was put in place for you is not working.
-     you want to reduce your repayments (which may in turn increase the loan term).
-     you wish to reduce your loan term (which may in turn increase your loan repayments).
Whatever the reason for considering a home loan refinance, we welcome your enquiry where you'll enjoy the most accurate personalised and attentive service that's currently available.  If it's not the right thing to do we'll let you know.  ​

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Investment Property Lending

There are some clear strategies to help protect your assets.  You may have heard about Family Trusts and LTC's (look through companies) however portfolio diversification is also very important especially as banks are self regulating to safeguard themselves.  
There is also a multitude of investment strategies.  You might flip houses, renovate and flip, renovate and hold, or buy and hold, to name a few.  We've seen companies charge $30,000 per year for property coaching and there are several well-known companies operating in this field so it's big business.
Additionally the Reserve Bank put a lending cap of 60% for new investment properties however there are exceptions such as the purchase of new builds (conditions apply), the potential availability of equity in other properties and non-bank lenders to name a few.   No matter your experience or strategy we're here to help.

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