Written by Anthea Mallasch
At Home Loan Advisers NZ we aim to provide friendly and honest mortgage advice through our comprehensive mortgage service for first home buyers, home movers, people looking to refinance, property investors and self-employed.
We understand that your mortgage is one of the largest investments you will ever make – and using a mortgage adviser can help ease the process by providing honest information in an easy to understand format to ensure you get the best possible rates the market can offer!
Here are 5 reasons why you should use a mortgage adviser when looking to apply for a home loan:
1. The Mortgage Adviser Network:
Mortgage advisers have a large number of contacts and a network of lenders which can be beneficial for you in getting the best possible mortgage rates. Having multiple lenders competing for your home loan means there is more potential to save!
2. Mortgage Advisers are experts:
This is what they do every day – they know what’s happening in the current market, different types of mortgage products there are, and the best possible rates out there. Because of this, they are aware of all potential hazards or pitfalls which may occur during your home loan process, so sometimes it’s best to “leave it to the experts!”
3. Mortgage Advisers work out how much you can borrow:
Using a mortgage adviser means they can work out how much you can borrow as it varies depending on the lending provider or bank – so it is crucial to know which one suits your situation best. This can be especially useful if you’re self-employed.
4. Mortgage Advisers save you time (and stress!):
Going back and forth between mortgage lenders to find the best possible option can often be exhausting, time consuming, and frustrating. Investing in a mortgage broker means they put in all the hard yards for you – not only will this save your time, but it will also ensure the loan application process runs smoothly for a positive experience.
5. Mortgage Advisers provide a mobile service:
Mortgage advisers, unlike traditional banks, have the ability to come whenever suits you best. We are flexible! We understand the stress our clients are often put under while working full-time and wanting to buy a new home, so having the convenience can often be better than trying to juggle around multiple responsibilities at once!
