Things to consider when it comes to mortgages
As a Financial Advice provider, I have access to multiple providers so I can source the most suitable deal for you when it comes to making some big decisions.
If you are building a new property, the deposit requirements could be less as you are adding to existing housing stock.
You may be considering whether to buy your first investment property and how can you go about it. I can help.
Mum and Dad could help with some of the deposit if they have equity in their property.
The more equity you have in your property, the better position you are in when negotiating the costs associated with your loan. I can do this for free on your behalf.
If you have paid off more on your existing loans over a period of time, you may be able to access this extra equity when you need it for planned spending ie travel, renovations, car, boat, motorbike purchases etc.
Are you and or your partner contributing to Kiwisaver? Have you used this towards your first home deposit yet? This could be a source of your deposit. Conditions apply.
At rollover time, when your mortgage comes off its fixed term, this is the best time to have your Broker review your loan with you.
Various lenders have different lending policies, so if your scenario does not fit with your current provider, let me look at alternatives. I have access to a broad range of lenders.
Sometimes adding a small amount of extra payments to your mortgage can take years off the term of your loan and save you thousands. Conditions always apply. Talk to me and I can show you how.