Why use a Mortgage Advisor

1. Not all banks are the same - and neither is everyone’s situation or needs. We understand how to match lenders with clients’ needs and profiles.

2. Structure and Products are as important as rates - although we tend to get the best interest rates and cash contributions for our clients, we are equally focused on ensuring the right structure for their situation and goals.

3. Different lenders allow different levels of extra mortgage payments over and above your minimum contracted payments - making the difference between paying your mortgage off years early - we know the different offerings of all of the lenders (bank and non-bank)

4. Investors – we work with you to minimise the security you offer to lenders and work on strategies to leverage existing securities as much as possible – be it with banks or non-banks.

5. First Home Buyers – We understand how to navigate the Kiwisaver and Homestart Grant Process and we know which lenders are more suitable to you.

6. Mortgage Advisors work for their clients as their priority – we understand all the options for our clients – not just one.

7. Often, Mortgage Advisors will negotiate the best interest rates – they know how and who to negotiate with at any time in the market – different lenders have different specials on at different times or are offering larger cash contribution incentives at different times

8. Deal once with a Mortgage Advisor versus 3 or 4 visits/calls to different banks that use different processes and have different policies

9. We live and breath the process of buying a first home or buying another investment property.

10. In almost every single instance, the bank pays the broker - so it doesn’t cost you.