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Mortgage Advice Blog

Get the latest news and tips about mortgage finance and the property market. Scott Miller, mortgage broker from Advanced Mortgage Solutions comments on housing and lending.

October's Property Gazette

Published by Scott Miller on Tuesday, October 01, 2019 in

Have You Got Your Preapproval Sorted Yet?

With less than three months left of 2019, if you haven’t already, now is the time to get your loan preapproval sorted. The property of your dreams is just around the corner, and with the lead up to Christmas, everyone wants to have their purchase signed off and completed before then. Having your loan preapproved means that you can move as soon as you find the perfect property, as well as giving you an advantage over other purchasers. For assistance in obtaining your mortgage preapproval, get in touch with us today.

First Home Loans is Ideal for First Home Buyers

If you are a first home buyer, we recommend that you seriously consider applying for the Welcome Home Loan product (now called the First Home Loans Product). As only a 5% deposit is required (reduced from 10% today), first home buyers are able to get into the property market earlier than they may have been expecting.

There are specific requirements that must be met in order to be eligible for this loan product, such as:

  • below a joint income of $130,000 or less, or $85,000 or less for a single borrower
  • an NZ citizen or Permanent Resident Visa holder
  • have a minimum 5% deposit
  • purchase a property to live in which is below your regional price cap

For further information on these criteria or information on how to apply for your Welcome Home Loan, get in touch with us today.

Spotlight on Shane Blummont – Insurance Advisor

Shane is our resident insurance advisor and has been in the industry for over 30 years, we’re excited to have him on our team. With extensive experience in the areas of life, trauma, income protection, fire and general insurance, he is well placed to assist you with all of your insurance requirements. Shane enjoys spending time with his family and taking his mountain bike out for a ride. For insurance solutions tailored to meet your specific needs, contact Shane today.

Insurance Matters…………

Protecting What is Valuable

It makes sense to protect what is valuable, recently I heard it said it was sensible for people building a new home to take out insurance.

The insurance was not only on the bricks and mortar but on builders going broke or being shut down, new houses left unfinished, deposits lost.

Some say that this is a risk that the insurance industry has a role to play in sharing, with the idea that you need something in the background to protect you.

Interestingly insurers are not queuing up to offer this protection because insurers regarded the construction sector as too risky.

When it comes to a life what value should we place on this and what are the risks?

In New Zealand in most cases if you are incapacitated by illness or diseases you are eligible to receive free or subsidised health or disability services, we are so to fortunate have a public health system.

However, there is no compensation for loss of income or cover to pay the bills, this is where Mortgage and Income insurance come in.

In this case insurers are willing to share the risk offering compensation to assist with mortgage and living expenses.

Mortgage repayment and income protection insurance are similar, both insurance products are designed to pay you a series of ongoing payments in the event that you're unable to work for a period of time.

For some more information on these types of insurance covers please feel free to contact us.


Scott, Greg, Shane and Jo

Advanced Mortgage and Insurance Solutions Limited.

May's Property Gazette

Published by Scott Miller on Tuesday, May 01, 2018 in

We’re Predicting Housing Market Stability!

There’s no need to man the lifeboats and start paddling away from your dream of home ownership just yet. Nor do you need to be concerned with rising interest rates. In this month’s newsletter we discuss our Official Cash Rate predictions, the benefits of a well-structured home loan and using line of credit facilities.

Stability in Official Cash Rate Likely till November 2019

The Official Cash Rate set by the Reserve Bank has been at 1.75% since November 2016 and looks set to stay there until at least November 2019. The RBNZ governor signalled that while GDP was weaker than expected in the fourth quarter, industry growth was expected to continue to strengthen. They see the CPI inflation to rise upwards, with long-term expectations sitting around 2%.

Therefore, if you have a floating interest rate, there’s no immediate need to fix your mortgage. However, if you prefer certainty, chat with us about finding you a great low fixed interest rate for your loan.

Why a Good Loan Structure Wins Every Time

The way your home loan is structured can either save or cost you thousands. Fixed, partially fixed, floating or revolving, there are plenty of ways to structure your home loan. While it’s believed that a low interest rate is what’s important, we don’t believe it’s the most important consideration. After all, borrowers cannot control the interest rates and are subject to whatever the lenders offer us.

However, what you can control is the structure of your home loan. For instance, channelling your savings and income into your mortgage can save you a heap on interest. If you owe $450,000 in your mortgage account, but have your income (say $2500) paid directly into it, then you are paying interest only on the $447,500. You can also shrink your interest repayments by even slightly paying more than the minimum repayment amount each fortnight too.

Give us a call and let us so our magic with your home loan structure to save you some money!

Should You Use Line of Credit Facilities?

A line of credit home loan, also called a revolving credit mortgage, is an approved credit limit which has been set in advance. It uses a floating interest rate and the aim is for you to decrease the amount of interest you pay by having all your savings and income directly paid into that account. You can draw from that account though and that is where it can become a problem.

Line of credit facilities are great if you are disciplined and deliberately continue to lower the debt balance each month in your account. In this way you will continue to lower your interest payments, saving you money. However, what many borrowers do is see it as a bank account from which they can withdraw money up to their credit limit each time. They still end up paying interest but fail to reduce the principal and grow their property equity.

If you are unsure if a line of credit will work for you, have a chat with us. We can talk through the pros and cons in detail with you. Book a time with us now and we’ll even see if we can get a discounted rate for you too!


Becoming temporarily disabled has the highest percentage for keeping people out of work than and other event 27%, the following is some interesting research that has been done on Trauma Cover. The research covered information in China, Hong Kong, Malaysia, Singapore & Australia

Here are some interesting facts and figures:

  • The first Trauma policy was sold in South Africa in October 1983 by Crusader Life and only covered heart attack, cancer, stroke and coronary artery by-pass surgery (now up to 50 events)

  • Females purchased more Trauma policies than males, with the exception of Australia

  • Female Trauma Claims – Cancer makes up more than 80% of claims in every market, with Breast Cancer the most common type, 32% of cancers in China & 61% in Australia

  • Stroke was the second most common reason for a Trauma Claim, with China having a higher claim rate than the other areas.

  • For males, Cancer was leading cause of claim, with Prostate Cancer accounting for 37% of all cancer claims, followed by claims for a Heart Attack


Here are the facts about Trauma Cover:

  • Trauma Protection pays a lump sum cash payment that you choose how to use. With Trauma cover in place you won’t need to rely on government health and compensation schemes alone.

  • You can use your payment for anything you choose, such as covering costs of extra medical treatment, home help, or mortgage repayments.

  • Pays out the full Trauma Cover if the insured person requires life-support treatment for three or more days OR requires intensive care treatment for five or more days regardless of whether or not the trauma they suffer is a covered condition

  • Children get up to $50k of free trauma cover. They can also get additional paid for cover from 3 months to a max of $200k with the only exclusion being congenital defects

December's Property Gazette

Published by Scott Miller on Monday, December 04, 2017 in

Happy Holidays from All of Us!

December has arrived, and the Christmas holidays are now on the radar. With the warmer days, the Advanced Mortgage Solutions team are looking forward to spending time with our families and loved ones over the Christmas break. Our office will be closed from the 22nd December to the 8th January and we are looking forward to helping our clients achieve their property dreams in 2018.

We Welcome Shane Blummont to the Team

We’d like to take the opportunity to welcome Shane Blummont to the Advanced Mortgage Solutions team. Shane is our new Insurance Broker and with over 30 years in the industry, we’re thrilled he’s jumped on board with us.

Shane’s expertise is with life, trauma, income protection, fire and general insurance. He also has experience working for some of the country’s large insurance companies and providing insurance advise in a banking context.

Shane would love to have a chat with you about you and your family’s insurance needs and help provide you with the insurance solutions which best suit your needs. Give Shane a call on 03 662 9058 or send him an email at to book a time for a chat.

Loan to Value Ratio Restrictions Are Easing

The Reserve Bank has announced an easing of the loan to value ratios from January 2018. Currently banks are only able to have 10% of their lending allocated to buyers with less than a 20% deposit. This is being raised to 15% for first home buyers who have less than a 20% deposit.

That is great news for first home buyers and if you’re one, you need to contact us today! We’ll work with you to find the right loan to suit your circumstances and help you get the home of your dreams. Head to our website now for more information on how we can help you into your first home.

From all of us here at Advanced Mortgage Solutions, we wish everyone a very Merry Christmas and a happy and safe New Year.

Commentary by Bernard Hickey

Published by Scott Miller on Wednesday, June 17, 2015 in

June 2015 News - By Bernard Hickey

Welcome to our June Referrer News, continuing on with our series of market commentary from one of New Zealand's top financial journalists, Bernard Hickey.

June was a great month for borrowers and for home owners, particularly in Auckland.
The Reserve Bank surprised most economists and at least half the financial markets by cutting the Official Cash Rate (OCR) by 25 basis points to 3.25% on June 11. It also forecast another 25 basis point cut later in the year, with some expecting it as early as July 23 and others seeing a third cut in early 2016.
Governor Graeme Wheeler argued the 55% fall in dairy prices and the 60% fall in oil prices in the last year were dragging on demand and inflation in a way he could not have expected last autumn when he put up the OCR by 1% to 3.5%. He denied he had made a mistake last year, saying others had also incorrectly forecast a rebound in inflation.
Banks began passing that June 11 cut on in full to their floating mortgage rates almost immediately. By the third week in June banks were cutting their six month to two year mortgage rates by anywhere from 20 to 50 basis points in anticipation of more rate cuts. Some cut their advertised mortgage rates below 5% and there is now a real prospect of the lowest rates for the best customers being closer to 4% than 5% by the end of the year.
Inflation for consumer prices remains well below the 2% mid-point of Reserve Bank's 1-3% target range and Governor Wheeler reiterated in his news conference after the bank's June quarter Monetary Policy Statement that he had to focus on meeting his CPI target first, even though he remains concerned about financial stability risks inherent in Auckland's housing boom.
Meanwhile, inflation for asset prices in Auckland continued to run rampant and real estate agents reported stellar sales volumes and prices in May. Finance Minister Bill English described it as a "feeding frenzy."
REINZ reported that Auckland's median house price rose NZ$30,000 in May to a record high NZ$749,000, while the median price excluding Auckland fell NZ$4,000 to NZ$349,000. Annual inflation in Auckland rose to 19.8% while national inflation excluding Auckland was 2.6% from a year ago.
Both REINZ and Barfoot and Thompson reported there were few signs yet that the Reserve Bank's new LVR limit in Auckland for rental property investors and the Government's two year 'bright line' capital gains tax test were having much impact on the market, although they were only announced in mid-May and do not formally apply until October 1.
However, there were signs that property investors were spreading out from Auckland. REINZ reported a 40.8% rise in the seasonally adjusted volume of house sales in Waikato/Bay of Plenty in the three months to May from a year ago as the buying started to spread out from Auckland. Auckland volumes rose 27.4% from a year ago.
There were also anecdotal reports that some foreign buyers were pulling out of deals to buy apartments off the plan after the Government's announcement they would have to declare their passport and home country tax details when buying properties here.
The bottom line
Auckland's annual house price inflation rate ran at 15-20% in May, but it was the exception rather than the rule. Wellington prices fell 1.7% and Christchurch fell 3.6% from a year         ago, although Tauranga prices were up 16.5% from a year ago.
Most economists now expect the Reserve Bank to cut the Official Cash Rate by as much as 0.5% to 3% by the end of the year as inflation remains well below the bank's 2%                 target.  Some expect another cut to 2.75% in early 2016.
The Reserve Bank said it was gathering data on house price to income ratios, but downplayed any move to adopt a UK-style 4.5 times multiple, saying it was complex

The Team at AMS

Mortgage Brokers Christchurch - Property Gazette - March

Published by Scott Miller on Thursday, March 07, 2013 in


Purchasing property over the February/March period has continued to increase as have the amount of properties for sale, however more properties on the market would help matters. The largest amount of feedback I am receiving from clients is there just isn't enough property to go around.

For those looking to purchase in Christchurch or Auckland this seems only to be set to get worse - My advice, keep looking - something will come along!

As you will read below, it has never been a better time to fix your mortgage. Please contact me NOW to see what I can secure for you.

So on with what’s happened this month.

      Current Interest Rates as at 7 March 2013

Variable             5.55%
6 Month Fixed    5.10%
1 Year Fixed      4.89%
2 Year Fixed      5.35%
3 Year Fixed      5.39%
5 Year Fixed      5.75%

The old saying “It starts in Auckland and then spreads down the country” looks to be ringing true with recent housing market data seeing a broadening strength of house sales across the regions in New Zealand. Mortgage approval numbers continue to rise adding further fuel to the building momentum in the property market.
The only concern to this is the increased level of commentary from the Reserve Bank who seem to want to hold interest rates low to stimulate growth across the country while not wanting to see the property market become too heated, which you could argue has already occurred in the “big smoke”.
They only have a couple of levers they can pull. One being interest rates and of course the other being to bring in restrictions around the loan to value ratio they allow banks to lend on homes. The latter could be politically be a very dangerous move, particularly if as suggested it is aimed at the region of Auckland.
Economic growth does appear to be finally kicking in with many economists predicting consistent growth of between 2.50% to 3% over the next 2 years. This growth may be enough to keep the Reserve Bank at bay in relation to keeping interest rates unchained for the foreseeable future. However, we suggest now is a good time for you to have your eyes and ears open as changes could be afoot in the not too distant future. We lean toward the Reserve Bank falling back on its more traditional control mechanism so watching interest rates over the course of 2013 could be advantageous.
Which brings us to our current borrowing strategy, with competition among the banks heating up in the 2 & 3 year fixed brackets there are some striking deals there at present, we have seen 2 year rates at 4.99% and 3 year at 5.39%, how can that be a bad price? Personally this writer favours them. As always though give us a call, as everyone’s circumstances are different.

What's Hot

Well it’s not hot but you need to know about it. ANZ have lead the charge and nothing surer their competitors will be right on their heels, with the Bank now controlling the valuation process, as such you or the client will no longer be able to choose the valuer you want to value a security property. It is designed to protect the bank and consumers but will slow the process.  

Deal of the Month

Last month we helped a client into another investment property when he had been told NO by his existing bank. He had only been self-employed for 7 months but with well put together interim financials and some good supporting information we were able to get him not only approved by an interest rate of 4.99% fixed for 2 years, he was a very happy man - Call us we deliver!

Mortgage Brokers Christchurch - December's Property Gazette

Published by Scott Miller on Monday, December 03, 2012 in

Current Interest Rates as at 01 December 2012  

 Variable                     5.55%  
6 Month Fixed            4.95%
1 Year Fixed              4.95%
2 Year Fixed              5.15%
3 Year Fixed              5.60%
5 Year Fixed              5.99%

Interest Rate Outlook

Variable interest rates are at a record 48 year low while shorter term fixed rates such as 1 year are at an all-time low being the lowest they have ever been since fixed rates were introduced.
While house sales and building permit consents are at a 5 year high and the number of days for houses to sell at a record low of 31 days in some markets (namely Auckland and Christchurch).
On top of this the last 2 months have seen positive long term permanent immigration reversing the trend of the previous 12 months.
These positive trends are being supported by new government initiatives recently announced whereby government will be working closely with local councils to increase the amount of available land for residential use. Government has also committed to increased funding for roads, water & waste facilities to such development opportunities. This coupled with resource management reform will speed up the time it takes to obtain consents as well as provide more certainty for developers to act will certainly help increase the available stock and therefore affordability.
In terms of the most advisable interest rate option currently, there really aren’t any bad choices, although we seriously question the value of variable rates at present with all fixed rates out to 3 years the same or lower than the variable rate. Short term money of 6 or 12 months is as low as 4.95% which could be great for those trying to free up some extra cash for Christmas, although if possible the far smarter option is to take the opportunity of lower interest rates to make higher than required mortgage payments greatly reducing the term of your loan and thus the amount of interest you are charged – everyone’s circumstance are different so clients are best to talk to us.

What's Hot

The Christmas rush is on as many clients look to get themselves into a new property prior to Christmas. We’ve had a fantastic year in business and it is in no small way thanks to you & your support. Thanks again for your referrals they are greatly appreciated & not taken for granted.

Deal of the Month

We now have access to a genuine “Lo Doc” lender, whereby self-employed clients who are unable to provide up to date financials can still obtain a mortgage at competitive market rates, last month we helped 2 clients in this situation - Call us we deliver!

Christchurch Mortgage Broker - Property Gazette September

Published by Scott Miller on Thursday, September 06, 2012 in

Current Interest Rates as at 03 September 2012

Variable              5.60%  
6 Month Fixed     4.99%
1 Year Fixed        5.15%
2 Year Fixed        5.30%
3 Year Fixed        5.60%
5 Year Fixed        5.99%

Interest Rate Outlook

House sale volume was up 20% year on year for July 2012. Dwelling consents were up 5.70% for July. Mortgage lending was up for July with its strongest month of settlements since October 2009 and we even had net migration on the positive side of the ledger for the first time in a long time.

So is it up, up & away… well, yes, but very slowly and that is not a bad thing. There are many positives in the market currently, none more so than the continued sales activity in the Real Estate market, which is like a racehorse under a tight hold, being constrained by the lack of stock on the market. This of course is pushing many sales to auction, (causing stress for all), driving the number of days to sell down and of course prices up.
This issue is exacerbated by many households continuing to focus on reducing debt while interest rates are at a record low instead of upgrading their house. We still see the market moving conservatively as many consumers feel nervous about the risky state of the European and American economies, so would rather just ‘stay put’ and see how things pan out.

Interest rates remain very stable at record lows with some minor reduction in the 6 month and 2 year parts of the curve seeing all rates in this area lower than actual variable rates. We cannot see value in having any more than a small amount of your debt on the variable rate given it is higher than all rates out to 2 years and shows little sign of reducing any further, of course personal circumstances such as expected length of time holding the asset need to be taken into consideration.

Have a chat to us, we are negotiating some fantastic discounts presently and are happy to share our view on the best structure for you.

What’s Hot

With a lack of stock on the market Auctions are hot, please remember that clients who are pre-approved may require a registered valuation as a condition of approval, if so, they would need to have that valuation complete prior to auction to be able to bid – if you are looking at purchasing at an auction and are unsure about where you stand - ask us.

Deal of the Month

We had an American chap who did not yet have citizenship, he had been limited to a 70% LVR at other banks however we helped him obtain 90% from a mainstream bank and he was happily able to purchase the house he was chasing - Call us we deliver!

Mortgage Broker Christchurch - Property Gazette July

Published by Scott Miller on Tuesday, July 03, 2012 in

Current Interest Rates as at 02 July 2012
Variable 5.50%
6 Month Fixed 5.25%
1 Year Fixed 4.99%
2 Year Fixed 5.35%
3 Year Fixed 5.60%
5 Year Fixed 5.99%

Interest Rate Outlook

Activity in the property market continues to show positive signs of improvement, particularly in Auckland and Christchurch. However, there are some mixed signals that continue to permeate across the market. Client debt serviceability and a net migration outflow is keeping strong growth across New Zealand at bay.

Low interest rates remain the key stimulating factor, though consumers are still moving cautiously with many still focusing on reducing their debt while interest rates are low. Aggressive competition amongst banks for business is allowing us to negotiate substantial interest rate discounts for our clients.

The New Zealand economy remains caught between positive factors such as low interest rates, the Auckland housing market, and Christchurch’s earthquake rebuild versus headwinds from a volatile and worrying global scene. This alongside a weak national balance sheet is providing mixed economic signals. Meanwhile as the unemployment rate continues to drift down over the coming year we should see an improving and evolving labour market, helping households to remain focused on rebuilding their savings buffer.

Fixed mortgage rates edged lower this month, with floating rates at levels not seen for 50 years. The 1 year rate is still the cheapest, and all fixed rates up to 3 years remain at, or below the floating rate. Given these considerations, we see merit in fixing; anywhere from 1 – 3 years.

What’s Hot

There is currently quite a disparity between banks and their individual credit appetites; we are seeing regular examples of one bank declining a client with the next bank happy to write the loan. Often this is driven by the weighted Loan to Value Ratio in a bank’s portfolio, as such your clients are best to talk to us as “No” does not always mean “No” - Refer to us!

Deal of the Month

Last month we had a self-employed borrower who had recently signed a large contract, significantly boosting their income going forward, with the re-emergence of Lo Doc lending we were able to help fund this guy into a new house which he had been told was not possible – he was delighted when we got him sorted (Not to mention the Referring agent) - Call us we deliver!

Mortgage Broker Christchurch - Property Gazette - May

Published by Scott Miller on Friday, May 04, 2012 in

                 AMS Property Gazette - May

I would like to start May’s Property Gazette by saying thank you to all those who visited our new Facebook page and clicked the like button. Your participation is most welcome.

If you missed this opportunity last month and would like to have a look please click here to be automatically taken to the Advanced Mortgage Solutions welcome page.

Now on with what’s happened this month.

Current Interest Rates as at 1 May 2012  

Variable               5.50%  
6 Month Fixed     5.40%
1 Year Fixed        5.40%
2 Year Fixed        5.55%
3 Year Fixed        5.85%
5 Year Fixed        6.65%
Interest Rate Outlook

There’s a more positive vibe in the market as the new financial year gets underway. The increase in general business and housing activity (which was widely predicted to occur in 2011) is now starting to appear.

This is being supported by good demand and prices for residential properties in the larger cities of New Zealand. The continuing population increase of Auckland, and the Christchurch earthquake rebuild mean that these 2 cities are leading the charge. The increase in house prices should start a flow on effect to other sectors in New Zealand.

This demand is now starting to push up an increase in both residential property rents and values. These increases are driven purely by supply and demand. The shortage of houses being built (coupled with the perception that prices are rising), is creating strong demand in the market, even while economists are quoting various housing unaffordability statistics.
We have seen residential property values rise 3.0% across the country over the last year and are now just 3.0% off their 2007 highs. Auckland has led the charge, up 5.0%, followed by Christchurch at 4.1%, and Whangarei at 3.1%.

Mortgage rates have not changed and have held steady since the last round of reductions in mid-February. The mortgage curve has been very “flat” out to 2 years. We still believe the Reserve Bank will move rates up late in 2012 or early in 2013, this would suggest that it might be worth fixing for 2 or 3 years, particularly as longer term fixed interest rates can go up without a change to the official cash rate.

Now is a great time to look into your options. Please feel free to email me by clicking here or contacting me on 0508 466 356 to talk through what’s best for you.

What’s Hot

The market!
Money has never being so cheap and banks are fighting over each other for business. We have seen an increase in lending every month this year and feel that it is set to continue.

Deal of the Month

Consolidating debt can be a great way to reduce your monthly commitments and get back on top of your cash flow. Last month we refinanced a client’s debts, putting together the mortgage, car loan & 2 credit cards which were costing $1,880.00 per month into one loan @ 5.50%, reducing the payments by 690.00 per month to $1,190.00 per month - call us we deliver!

Property Gazette - March

Published by Scott Miller on Monday, March 12, 2012 in

Current Interest Rates as at 1 March 2012

Variable                   5.60%  

6 Month Fixed          5.40%
1 Year Fixed            5.45%
2 Year Fixed            5.49%
3 Year Fixed            5.85%
5 Year Fixed            6.65%
Interest Rate Outlook
As mortgage interest rates remain low they continue to provide fuel to the property
market. January house sales volumes lifted for the third successive month, with strong sale prices offset by an on-going lack of available houses on the market. This shortage is continuing to drive prices up.

Tempering the growth is the unstable employment market and continuing desire of households to pay down debt. These factors together with the uncertainty created by overseas economies will help damper a major boom in the property market, however overall it is predicted house price will continue to increase albeit at a slower steady rate. The possible exception to this is Christchurch where house and rent prices are rapidly increasing.

While the Reserve Bank do acknowledge that the property market is showing healthy signs of recovery they still have their focus centred on the European debt crisis, and all the noise coming from the Reserve Bank indicates that any interest rate movements to our OCR will not occur until the back half of this year. There are however some extremely low fixed interest rates available now that cannot be ignored. I believe for some people now is a great time to look at options – please read on for more information.

Mortgage rates eased further last month especially in the longer term 3 – 5 year fixed rates. Although this has made it cheaper to fix for 3, 4 and 5 year terms, these rates are still relatively slightly higher than the current shorter term rates. Similar to last month there is very little difference between floating rates and 1 – 2 year fixed rates - as such we still believe that the best options currently in the market are to either float, look to fix for 2 years or take a combination of both, splitting your debt.

Please contact me for a free assessment of weather these low interest rates are something that would help lower your mortgage costs in the short and long term – there are some real savings to be made at the moment.

What’s Hot

Free Money – get it now! The banks are currently running some crazy incentives with some giving away as much as $1,000.00 as an enticement for clients to take their mortgage with them. You will be surprised by the attractiveness of what we can get for you - Refer your clients now!


Deal of the Month

Last month’s client was a NZ citizen working as a “Miner” in Australia. He was trying to buy a home to live in and was using some equity in an existing block of land. After being frustrated through other sources he found his way to us and we got him sorted - call us we deliver!

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