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Our
Products
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1st
Home Buyers
It
is now possible to purchase a property
with no deposit at all. That is 100% finance!
In
the past you have needed a minimum 5%
deposit to qualify for your first home
loan. A "deposit" can be gifted
or borrowed.However the more the deposit,
the better the terms.
You
will need a clean credit record and demonstrate
good affordability.
There
are several options available to you and
we would be happy to discuss these with
you.
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2nd-10th
Home Owners
Whilst
you've been through the mortgage buying
process before, and maybe established
a relationship with your lender, it is
not possible for them to provide you with
the impartial advice or access to a range
of contemporary products and services
on offer.
It
is a big, competitive market and you may
not be up to date with what is available.
Even
if you want to stay with your existing
lender it will pay you to contact us first,
to arrrange a transfer or increase in
mortgage, at no extra cost to you.
That
way you will know you are getting the
best terms and "goodies" available.
If
your existing lender cannot meet the market,
or if you are dissatisfied with their
service, there are many others available.
We will ensure changing lenders will be
as cost free and hassle free as possible.
Often we can arrange a net gain to you
to change!.
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Construction
Finance
Construction
of your home will present enough of its
own challenges without you having to worry
about what can be a very complex area
with potential for unnecessary stress.
Construction finance for residential dwellings
is a specialised field and can bring unnecessary
stress for the unfamiliar.
Happily
our team has enormous experience in advsing
the right funding structure, processes,
liaising with lenders, builders, users,
inspectors, insurers.
Whilst
we recommend at least 25% equity /deposit
in a normal residential construction,
we do have access to 95% funding; and
for qualified builders, to 100% finance!
Take
the hassle out of the construction and
work with us.
See
below for commercial construction finance.
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Residential
Investors
This
is a specialised area in which we can
offer expert advice drawing upon many
years in finance and our own personal
residential property investments.
We
have access to many lenders with whom
we have established excellent reputation.
Advice
on trusts and LAQC's; loan structure,
investment types.
There
are many products and options available;
eg 95% finance; fully leveraged /100%
finance where leveraging equity in your
home.
Prime
terms; declared income /no financials
for self employed.
It
is vital that we are aware of your long-term
goals to customise a solution to meet
your needs and lifestyle goals.
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Equity
Release Lifetime Loans for the Retired
A
lifestyle of choices is now available.
Rather
than dream about the possibility, if you
(and your partner) are aged 60 or over,
own your own home, there are products
that will open the door to a taxfree cash
lump sum to use for whatever you like
- travel, car, home repairs, hip replacement,
eye surgery, gift to family, grandchildren's
education etc. No repayments until the
house is sold. Optional-you can make payments if desired. Excellent interest rates
and fees. We are the only brokers in Kapiti accredited with the four major providers.
A
huge product overseas which is taking
off in New Zealand.
Imagine
getting out of that trap-asset rich, cashflow
poor.
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Immigrants, Overseas Residents, & NZ expatriates
Living
overseas need not be a barrier to purchasing
property in New Zealand. With the use
of email, fax and phone we have been able
to assist many overseas residents, New Zealand expatriates and immigrants with purchases
of property for their own use, or for
investment purposes-see above.
We have our very own immigrant! Derek Hughes immigrated from the UK early 2006, so he knows what it is all about.
What is more, we have can put you in touch with "longwhite", experienced and specialist relocation consultants
Our
goal is to make the process as simple
and worry free for you by:
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Helping
with all the form filling and applications
- We
take great care in choosing the appropriate
lender.
Due
to differing lending policies between
lenders it is important that your application
goes to the correct one first time,
and you get best terms available for
you.
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Providing
advice to ensure the mortgage is structured
correctly
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Working
with your Real Estate Agent, Building
Inspector, if required
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Arranging
Valuations if required
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Working
with a Solicitor through to ensure a
smooth, hassle and error free settlement
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Negotiating
with the lender and satisfying any conditions
they may have
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Ensuring
the mortgage settles on time without
any problems
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Check
out the NZ regulations at the Overseas
Investment Office, www.oio.linz.govt.nz, and New Zealand Immigration Service, www.immigration.co.nz
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Self
Employed-With
& Without Financials
One
of the frustrations for the self-employed
is that they have to jump through more
hoops to get a mortgage than their employees
do. It’s ironical that an employee
only needs to show a payslip to prove
they can service a loan where as the employer
has to provide two years financial accounts
that are then picked to bits.
We
know how to interpret financial statements,
recommend appropriate business and financial
structures and represent your case to
the approriate lender.
We
even have access to lenders who will provide
mortgage finance to self employed who
-have less than 2 years trading-at a small
premium on prime rates; or,
-on
prime terms for those with longer than
2 years trading but unable to meet the
normal requirements of proof of income
(eg financial statements).
You
simply need to declare that you can afford
the repayments.
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Commercial
Property
This
is a specialised area of finance where
there are considerable differences in
lending policies, interest rates and fees
among numerous lenders.
For property development, up to 100% funded
mezzanine and prime finance options; commercial
property lending to 80% of value.
100%
finance for owner /occupiers!!
Whilst
this is an area where we may have to charge
a fee, you will find that we can add considerable
value and in fact reduce your overall cost
by judicial structuring, placement and
negotiation on rates and other fees.
Feel
free to contact one of our advisers if
you would like to learn more about commercial
mortage finance.
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