Excellent mortgage advice and outstanding customer service
At Home Loan Advisers NZ, we offer expert mortgage advice and great customer service for first-time buyers, home movers, refinance seekers, property investors, and the self-employed. Our goal is to simplify the mortgage process, saving you time and stress by handling the paperwork and communication with lenders. We’re here to guide you through the maze of options, ensuring you make informed decisions that suits you and your goals.
Let us help you find the right mortgage solution.
Easy Process
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Mortgage Finance Made Easy
With more and more lenders trying to vie for your attention, it is often confusing, even daunting, to know where to start or even who will provide the best possible service with the best possible product.
Being completely independent of the banking system or any particular product offering, Home Loan Advisers NZ are well positioned to provide impartial advice and obtain the best possible outcome for your mortgage requirements. You are our client, not the lending institution. As such, we will work in your best interests at all times.
Helping those:
- Refinancing existing home
- First home buyers
- Self-employed
- Property investors
- Expats and New Kiwis
Who Will Benefit From Our Professional Service?
Almost anyone will benefit from our service – It’s up to you to take the first step! Contact us today!
First Home
Buyer
Buying your first home is an exciting time – Using a mortgage adviser from Home Loan Advisers NZ
Refinancing /
Moving House
Had enough of your existing bank? Looking to change so your mortgage does what you want it to do?
Self-
employed
Often self-employed borrowers find meeting the lending criteria for standard home loans difficult.
Property
Investors
Just as it is important to research the market for the ideal investment property, it makes sense
Non-bank
Lending
Just as it is important to research the market for the ideal investment property, it makes sense
Mortgage Calculator and Options
There are a number of options available and we can advise on which would better suit your requirements. These options include:
Mortgage Calculator
PLEASE NOTE: The information and results provided by this calculator is intended to provide an illustrative example based on stated assumptions and your inputs. Results are meant as estimates only and you are advised to consult with Home Loan Advisers NZ.
Type of loans
There are lots of different home loan options available. Each has a different structure, fees and rates. The more common ones are:
This is the most common type of home loan. The payments remain constant for the term of the loan (subject to interest rate movements). Each payment includes Principal and interest with the proportion of principal increasing with each instalment. Can be on a variable, fixed or capped interest rate.
Principal payments are constant, while interest payments gradually reduce (subject to interest rate movements). Payments are higher at the start of the loan. Not common in New Zealand.
You pay only the interest. The fixed term is usually for a short period 1-5 years. Usually an interim measure, for example as bridging finance while another home is sold.
This is a bit like an overdraft. All your accounts are combined in one and you operate the loan within the agreed facility limit. They suit borrowers that are keen to take advantage of opportunities to apply all income to debt reduction in order to reduce the level of interest.
These products are aimed at the retired market and involve advancing an amount of money as either a lump sum or line of credit. Interest accrues on the advance but no repayments are required. The loan becomes repayable when the property is vacated or on death.
Types of Interest Rates
The rate can be varied by the lender at any time and is likely to change when the Reserve Bank alters the Official Cash Rate. This rate is great for people who need the flexibility to make lump sum payments, without being committed to specific terms and conditions.
This means an interest rate that will remain the same for the whole of the period for which it is accepted and agreed upon. There may be fees charged to repay the loan early.
Some people find this the best of both worlds-The advantage of a fixed rate but with the option of making lump sum payments to lower overall borrowings.
Frequently Asked Questions
Please feel free to contact us should the following not answer your query.
The Financial Adviser -Mortgage’s is not restricted to any one bank or non bank lender, or one range of mortgage lending products. We deal with Lenders daily so we act in your best interest to secure a competitive rate and term that suit’s your requirements.
From the initial assessment and fact find of your situation through to settlement, transactions move in a timely manner when dealing with a Financial Adviser- Mortgages.
The Lenders know they get quality business that has been thoroughly researched and the Bank’s pay us a commission, or alternatively we will discuss costs at the start of your application and these would be fully disclosed before you agree to any Mortgage finance.
We can work with you even if you have no credit history or minimal deposit. Please ring now to talk to a Financial Adviser.
We can work with you even with a poor credit history. It may be a bit more expensive and/or the deposit required may be higher but mortgages can still be arranged.
We can work with you for your Commercial mortgage lending requirements. Working with a range of Bank and Non-Bank lenders to arrange finance that suits your requirements and terms that are in your best interest.
This is one of the reason’s why most people change lenders. There may be a penalty clause in your current home loan (Break Fee & Early repayment interest) but it could still be in your financial interest to change. We are happy to work with you to assess that the change is beneficial to you and in your best interest.
We deal with Lenders that understand that you are busy running the day to day business and are aware that financials are not always available.
