Free Advice for Mortgage and Loan Solutions
Here you’ll find articles explaining in plain language some of the most asked about subjects regarding mortgages, home loans, debt management, and much more. Let’s start by talking about what exactly a mortgage broker is and how working with one benefits your lending needs.
What exactly is a mortgage broker and why would you use one when applying for your home loan instead of going directly to the bank?
A mortgage broker is someone who acts on your behalf when talking to banks and other financial institutions. They are the conduit between someone seeking a home loan and the potential lenders. After the earthquake events of 2010, 2011 and 2016 it is important than ever to get that extra assistance when purchasing in Christchurch and other parts of the South Island.
In New Zealand, mortgage brokers are almost exclusively paid by the banks. This means our services to you are free. You should be careful to check this with your mortgage broker at the outset, however, as some brokers do charge for certain aspects of their advice. However, as mentioned above, our mortgage broker’s service to you is a free service.
Navigating your lending options should be clear, easy, and applicable to your needs.
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Published by Scott Miller
Today's announcement on Mortgage Holidays
With today’s announcement by the Finance Minister about 6-month mortgage holidays, we have been inundated by enquiries from our clients.
Scott was very helpful throughout the entire process from preapproval to finalising the loan structure.Carolyn Grise - 15 August 2017
Scott was always friendly and professional, and seems very knowledgeable about all the different lending institutions.John and Anna Sinclair - 05 May 2016
As a visual person, I found the steps/diagrams illustrated by Scott extremely easy to follow.Divya Nair and Abhijith Sukumaran - 10 April 2019