Client Story 1

First-Home Buyers on Commission-Based Income

Clients: John & Sarah M. – (ANZ Bank)

The
Challenge:

John and Sarah both worked in sales, earning a significant portion of their income through commissions. While they had strong earnings, banks were hesitant to approve their mortgage due to the fluctuating nature of their income. They had been turned away by one bank before reaching out for help.

The
Solution:

We worked closely with ANZ to structure their application in a way that highlighted their average earnings over a two-year period, rather than just focusing on the most recent months. We also provided detailed employment letters and income verification to demonstrate their financial stability.

The
Outcome:

ANZ approved their home loan at a competitive rate, allowing them to secure their dream home. By structuring their mortgage with a mix of floating and fixed-rate options, they now have financial flexibility while maintaining manageable repayments.

Let's Talk

PERSONAL CLIENT STORIES:

I’m here to offer expert advice, simplifying the mortgage process all with the aim in getting you the best rate possible. Have a few tricky questions? I’m here to answer those too!

When working with me, I will:

Search the mortgage market to find you the best deal while saving you time on paperwork
Guide you through securing a mortgage, the home-buying process, and KiwiSaver withdrawals (if eligible).
I’m familiar with the specific criteria of different lenders and can match you with the right one for your situation.
I’m available to answer all your home financing questions.
Having the right home loan solution can save you, plus I will keep in touch and regularly review your mortgage to ensure it's working for you.