FAQs
- 01
We do all the hard work for you by liaising directly with the bank! And, best of all – we are paid by the bank for our time.
- 02
We are happy to schedule appointments in the evenings, or at a time that suits you!
- 03
Every bank has different specials and product for it’s different type of customers. It is our job to know which bank will be the best fit for your personal situation! (We have years of experience here!)
- 04
We work through your personal situation – income, expenses, assets, personal debts, savings etc., and we then work out what you have left over when you have paid all of your monthly bills. Then, if there is a healthy surplus – we can potentially have your lending approved!
- 05
Depending on your bank, this can be as little as 5%. Ordinarily first home buyers can have a 10 % deposit. However, if you have a 20% deposit – then you will potentially have a choice of all the banks!
- 06
Banks will allow you to pay off your lending over a maximum 30-year term. We of course, will encourage you to pay it off sooner!
- 07
Absolutely – being self-employed is not a barrier to lending. You just need to have up to date financials available and we will talk you through the rest.
- 08
We actually have clients all around New Zealand. We fly, zoom, drive, walk and cycle to see our clients.
- 09
We stay in contact and help you on a yearly basis with fixing your interest rates. We are here for the long haul – we want to see you eventually paying off your house in full!
- 10
It really does depend on your circumstances. Fixed rates will give you certainty with your repayments and allow you to budget accordingly. Whereas the floating rate will give you flexibility with your repayments. Give us a call – happy to clarify this in further detail as it really is a tailored approach.
- 11
The process is similar, there are just a few additional documents and checks required along the way. All the banks have different policies for construction lending, so we will talk you through your options and help you choose the best fit for your situation.
- 12
Firstly, we will work with you to understand what went wrong, then help you to fix it. Then we will create a plan to look at who might be able to lend to you in your current situation. There is always a solution – again, it’s a tailored approach.
- 13
Absolutely. They have a place where they can help customers with finance when the main banks say no. (Doesn’t fit with the banks’ credit policy – bad credit ratings’ etc.). Or, if someone is in need of some quicker finance on a short term basis they step up where other providers wont. The interest rates are not as high as you would think either!
- 14
We like to quote around 5-7 days from the banks, but it also depends on how long it takes to gather all the information from our customers. (Sometimes it's 2 days!)
- 15