Most banks offer some form of incentive to entice you into signing your mortgage with them. You can easily be swayed as the bank is familiar to you, or you may know uncle Joe at the accounts department whom you always have a coffee with when you do your weekly banking.

What most people don’t realize is that their favorite bank isn’t always offering them the best option on their mortgage and that a small difference in interest rates or repayment options can save a family hundreds of thousands of dollars over the course of a mortgage.

If you ring the bank, they will just promote their own product.

Working with an independent financial advisor and broker means you are put back into the driver seat, having access to all the banks and other second tier lenders, ensuring you get the best deal for you and your family.

Even after your loan is established, we constantly look at available options for you, and we will let you know if we find a better product to save you even more money. That’s our commitment to you.

Working with an independent mortgage broker makes the complex process of wealth creation a smooth and fuss-free process. We take the time to learn more about you, your aspirations and financial goals, ensuring your best outcome. We have helped people from all walks of life turn their financial dreams into reality.

This is based on income and expenses. It depends on the lender on the day with variations between banks. Some banks may say no, while others will grant loans for the same proposal. Working with us puts you in an advantageous position as we negotiate you the best deal. This includes the lowest interest rate possible and shortest term getting out of debt.

It may be possible to purchase a home with a smaller deposit, but may increase your interest rate. We will be to make our best recommendations once we have assessed your financial position.

There are many options for families helping with your deposit. There are a number of ways in which this can be done with pros and cons for all options. We will be able to make our best recommendations once we have assessed your financial position.

Yes you can use your Kiwisaver to purchase a new home. There are terms and conditions adhered to this and we will discuss this with you in more detail.

Yes, youcam buy a home when self employed. We understand the challenges that come with managing your own business, including fluctuations in cash flow and expenses throughout the financial year. We have extensive knowledge and experience helping self employed people own homes of their own.

We understand that sometimes many factors like job loss, injury and business failure can cause things to go pear-shaped or miss a few mortgage payments, which may effect your credit rating. We can organize bridging loans to help during these circumstances, giving you some breathing space and help you get yourself on track to prevent a mortgagee sale.