Common questions Mortgage Advisors get asked
Why don’t I just go to the Bank myself?
I will help you assess all your options, whereas the Bank is restricted by being only able to present one view.
Why don’t I just go to the Bank myself?
I’ll help you assess all your options, whereas the Bank is restricted by being only able to present one view.
What is a Pre-Approval?
A pre-approval gives you an indication of the maximum amount you can borrow. By getting your pre-approval you have the power to negotiate with confidence.
Can my application be done via the internet?
You could start the application process by contacting me via this form. I prefer to work with my clients in person but we can obviously communicate using email. Always I have a zoom meeting or two with clients and lots of additional communication.
Can fees be added onto my mortgage?
In some cases yes, it will depend on how much you are borrowing and the value of your property.
What kind of reasonable costs could I expect when buying a property?
I suggest to clients that if they have approx $5000 to cover costs.
I’ve just moved to New Zealand and have no credit record here. Can you help?
Yes. This is not a problem for me.
What is a mortgage adviser?
Mortgage advisers are financial advisers registered on the Financial Service Providers Register. I am engaged by licensed financial advice providers or financial advice providers authorised under a financial advice provider licence. I am your advocate in the home loan selection process, helping homebuyers to pre-qualify for a home loan, select a home loan and complete the required mortgage documents. I can assist clients by interacting with lenders to organise finance for new home purchase, purchase of investment properties, refinancing clients’ home loans.
By virtue of having access to banks, other financial institutions and private lenders, mortgage advisers offer consumers access to a wide range of home loan choices as I select the right home loan for your needs.
Consumers receive an expert mentor, in form of a mortgage adviser, to lead them through the complex home loan lending process. The mortgage adviser offers the consumer the convenience of doing all the leg work to access an affordable home loan while balancing the consumer's financial interests and goals.