No two borrowers are exactly the same. Your income, deposit, existing commitments, future plans and the property itself can all influence which lending solution may be suitable. That's why we start by understanding what you're trying to achieve before looking at the lending options available.
Buying your first home is exciting, but there can be a lot to understand. How much can you borrow? How much deposit do you need? Can KiwiSaver help? Should you have pre-approval before making an offer? Which lender may suit your circumstances? We'll help you work through these questions and create a clear plan.
When your fixed term is approaching expiry, it can be worth reviewing the bigger picture. Sometimes the best option is to stay exactly where you are. Sometimes restructuring or refinancing may provide a better outcome. Our job is to help you understand the difference.
Construction lending usually has more moving parts than purchasing an existing property. Different lenders may also approach construction finance differently, so choosing the right lending pathway from the beginning can be important.
There are enough moving parts in a build. Your mortgage shouldn't be the part left to chance.
Discuss My Build →Moving from one property to another often introduces a different set of considerations. We can help you understand your available equity, your borrowing position, existing lending, buying before or after selling, loan restructuring and relevant lender options. Before committing to your next property, we'll help you understand the numbers behind the move.
Investment lending requires careful consideration of your existing debts, available equity, servicing position and overall loan structure. We can help you understand the lending side of your strategy and work alongside your accountant, solicitor and other professional advisers where appropriate.
Discuss Investment Lending →You don't need to have everything figured out before getting in touch. Share a few details and we'll help you understand the next step.
