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Talk to us for FREE Personal Mortgage & Home Loan Advice0508-466-356
We have completed thousands of application for clients looking to purchase their first home, second home, or holiday batch. Whether it is your first time purchasing a home or you find yourself, upgrading, or down sizing we can help you get the perfect mortgage or home loan.
The application process is made as simple as possible allowing you to save time, money, effort, and above all gives you the piece of mind your application is in the best hands possible. Our famous 'Step by Step Guide to Purchasing Property' has helped thousands of people through the buying process.
We offer this detailed guide to all those looking at purchasing property (even if it's not your first time), as we know and understand not everybody buys a home every week and the process can at times seem a little overwhelming.
Let us help you arrange the best finance available, and best of all our service is free of charge.
Please feel free to contact us on 0508 466 356 or fill in the contact form below and we will contact you as soon as we are able.
Applying for a loan for an investment property is technically similar to applying for a normal home loan. The main difference is that as a property investor, you wouldn’t just go and get a mortgage because you find an investment property. You would normally consider the types of properties that you should go for; cash flow properties or capital growth properties.
You also need to consider your future financing capacity if you have the capacity and desire to purchase more investment properties. You don’t have to know all the technical details but you should inform your finance adviser about your plan, as selecting the individual lender may greatly affect your borrowing capacity.
A property investor will also need to have their tax structure and asset protection considered prior to purchase so that they purchase the investment property in the correct structure. Advanced Mortgage Solution’s mortgage strategists are fully aware of the importance of these issues and will refer you to the professionals that can help you.
After you have decided to apply for a loan, Advanced Mortgage Solutions will fill in the loan application based on the information you provide to us. You don’t have to do any paper work, but we do need you to supply minimum documentation for the approval process, and of course sign the appropriate consent forms.
Depending on the lenders that you chose to use, some lenders accept electronic application lodgement, which means faster approvals and turn around time, while others accept only paper applications, which take longer to be processed.
We will lodge your loan application upon receiving your signature on relevant documents. The loan process will start after that.
When you first contact Advanced Mortgage Solutions our client service department will ask you questions about your needs and they will inform you as to how we may help you with your situation.
Once we are clear on what you require, we will assign one of our experienced Mortgage Broker to look after you personally. Remember we have helped thousands of property investors like you. You will be in good hand with us.
So please contact our office on 03 980 4541 and our friendly client service officers will explain the process to you.
If this is your first time contacting Advanced Mortgage Solutions, you will probably need to organise a time to meet. This will allow us to find what kind of home loan or service you require from us. This can range from organising a mortgage application, refinance an existing mortgage, or simply look for different options that may be available to you.
If you have an existing loan application with us, you will already have a contact person for your application that you can contact directly. However we keep you regularly updated as a matter of course.
Existing clients also call Advanced Mortgage Solutions simply because they have found a potential property to purchase and they want to know what finance options are available to them. Our mortgage specialists give simple answers immediately over the phone as we have got all existing client’s information in our computer systems.
First of all, all our mortgage brokers are fully accredited with the New Zealand Mortgage Brokers Association and they have the highest standards when it comes to providing a professional mortgage service.
Secondly, as someone looking to purchase a property , it is nearly impossible for you to keep an eye on the thousands of mortgage products that are available in the market and even harder to track new mortgage products that may potentially create more business opportunities for you.
By having a mortgage broker that is solely servicing the residential property market you will benefit from the latest finance information, lender policies and products. Advanced Mortgage Solutions is often referred to by our clients as "one of the best sources of property and finance information for residential purchasers that are out there making things happen". We don’t talk theories; we are in the market just like you.