Opening doors,
closing Loans!

 

I’ll find you Lending Solutions that take you Home

 

Let's Talk! Client Stories Meet Hunter

FIRST HOME BUYERS

My services are especially valuable for first-time homebuyers.

Helping you navigate the details that might otherwise be overwhelming. As your mortgage broker, I can assess your financial situation and recommend the mortgage option that best suits your needs before we reach out to the banks. I’ll save you time by gathering the best offers from multiple lenders, sparing you from having to schedule individual appointments with banks.

 

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REFINANCING

You’ve done the mortgage thing before when you bought your house, so you know it all… Or do you?

Refinancing can be a costly exercise (and may not be worth doing) if you haven’t considered everything.

  • Will I have break fees at my existing bank??
  • Will I incur legal fees??
  • Which bank offers products that suits my needs at this point in time?
  • Will I need a valuation on my property for the new bank??

I know all the ins and outs of switching banks – I can also help you get access to a decent cash back to make the exercise worthwhile!

 

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RESIDENTIAL INVESTOR

Buying a 2nd (or 3rd/4th/5th) property is exciting and means you’re building up a wealth base, but there are different challenges that come with doing so.

  • Have you considered the security that the banks should hold?
  • If I get in financial difficulty, what rights do I have over the bank?
  • How can I structure my lending, so it works in my favour not the banks?

I’ve advised many clients on the do’s and don’ts of property investment lending and successfully helped clients build multi-million dollar portfolios that work for them.

 

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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.

WORKING WITH A RANGE OF VENDORS TO SECURE YOU THE BEST RATE

PERSONAL CLIENT STORIES:

Your mortgage is your biggest yearly cost, so why wouldn’t you talk to an unbiased expert about what is best for you? Contact me today.

Considerations to explore:

This isn’t how it works in practice. The bigger picture is that brokers are essentially an outsourced service for banks, helping them manage clients, which means banks save significant costs by working with brokers.

Some banks offer brokers better rates than those available to direct clients, and many are open to negotiating rates based on what’s currently being offered in the market.

So, can you negotiate on your own? Absolutely. But brokers are experts in negotiation – we do it every day, and we’re up-to-date on the latest offers from various banks, since we receive weekly updates on their best rates.

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Your mortgage is your biggest yearly cost, so why wouldn’t you talk to an unbiased expert about what is best for you?


Brokers are selling advice and knowledge, not loans. The banks sell loans, we advise you which banks loans are the best suited to you!

Honestly, I believe the only way to build a lasting, referral-based business is by putting clients first and serving them well every single time.


Some banks pay a one-time upfront commission, while others offer a “trail” commission that’s paid over time. But generally, all the banks pay similar commission so it makes no difference to me which bank you choose!

If you’re planning to negotiate directly with your bank, I recommend highlighting why you’re a valuable customer – such as your years with the bank and good account history – and see what they offer. Once they respond, if you find better rates elsewhere, go back and push for a better deal, mentioning the more competitive rates other lenders are providing.


Keep in mind that banks will also consider how easy it is for you to switch, including whether other parts of your home loan are locked in at lower rates and if you’re within the cash back clawback period (typically within 3 years, when you may need to repay part or all of any cash contribution they gave you). These factors can increase your switching costs, which might limit how much your current bank is willing to negotiate.


Or, if you’d like help with the process, I’m happy to assist.

Note: The above is general guidance and not financial advice.

 

Who I work with: Everyone

  • First home buyers
  • Self-employed individuals
  • Those looking to refinance or re-fix existing home loans
  • People seeking home loans for new construction projects
  • Those interested in property investment
  • New Zealanders currently living overseas
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