If you haven’t worked with a financial advisor before then you may have some questions.
If your question isn’t here then contact us for a chat.
Mortgage advisors navigate lenders' rates and criteria, negotiate on your behalf, and tailor loan applications to your needs. They can secure loans even if banks decline, often securing better deals.
Let us negotiate on your behalf for the best deal. Contact us today!
Yes, we offer the same home loans as banks, often with better terms.
Contact us now to explore your options and secure the right loan for you.
Your situation matters. While banks often offer similar rates, we can negotiate a better deal tailored to you.
Choosing between fixed or variable mortgage rates depends on your financial goals and risk tolerance. We'll analyse your situation and provide personalised advice.
Contact us today to make the best decision for your mortgage!
Our services are free as we are paid by the product provider. Occasionally if your loan will require more time or expertise than most mortgages then we may negotiate an additional fee before we begin working together.
Depending on the lender and the complexity of your situation a mortgage could take anywhere from 3 -10 working days to be approved after submitting the application with all the supporting information. It is important that you provide us with all the information we need as soon as possible.
In theory you can borrow the purchase price or valuation of the house minus the deposit required but whether the banks will approve your lending also depends upon your income and credit rating. Importantly enough, it also depends a great deal on how the application is presented to the lender, which is where experienced broker such as Mortgage and Insurance New Zealand can be of immense help.
Normally, the banks require minimum of 20% deposit, but we can arrange loans at 10% deposit in some rare circumstances if you are purchasing the house to live in there. Some of this deposit may come from your KiwiSaver or as a gift from family. A minimum of 30% deposit for an investment property. Normally a deposit of 35% will be required as a minimum for commercial properties but it can vary depending on the situation. Talk to us
Mortgage and Insurance New Zealand does have an office you can visit or alternatively we can come and visit in your home. Andre is available to talk to you when you are free including outside normal office hours. This means you don’t need to take time off work or find a babysitter to organise your home loan or insurance.
Insurance is about paying money to someone else so that if something unexpected happens then they repair or replace the items that are lost or damaged or pays us a sum of money. What they cover and for how much is determined by the insurance policy.
There are many different types of insurance cover and insurance policies. An insurance advisor can explain what the best types of insurance for your situation might be. Because Mortgage & Insurance New Zealand works with many different insurance providers, we can compare all the current policies to find you the best cover and price for your circumstances.
The type of insurance and how much is determined by your individual needs and attitudes. What is the risk of not having insurance versus the cost of buying the insurance? Mortgage and Insurance New Zealand will work through all of this with you
Asking 4 basic questions
1. What is the risk you would be insuring against? This could be death, your home, your car or getting sick and not being able to work.
2. What are the chances of it occurring?
3. What would happen? How would your family manage without your income? Would you be able to replace your house and all your possessions?
4. How much would it cost? Would you have enough money saved to cover the cost.
If you need to know anything else just send us an email or call. Andre is happy to answer all your questions
TAUREWA KAINGA me
te INIHUA o AOTEAROA
Financial Template Kit by Baliniz
Copyright © 2020. All rights reserved.
