Home loans

Buying your first home, trading up to a bigger one, or down-sizing: they are all big life changes that can be as stressful as they are exciting. Finding a property within your budget, and making sure you have access to the deposit to match it, getting pre-approved, and finalising a mortgage are just some of the big steps you’ll be taking, and it helps to have somebody there with you who has been there before.

 

Terms like Loan to Value Ratio (LVR) might be unfamiliar and confusing, you may not know how to leverage your Kiwisaver to get you into your own home sooner, or what sort of property you can purchase, and the conditions if you do. Maybe you have some of your home-loan deposit, and family can help out with the rest, or you might have potential flatmates who can help pay the mortgage – there are so many considerations, and so many factors that are personal to you and your circumstances.

 

As the banks demand more information and tighten their lending criteria, it’s important to know who you can borrow from, and how much, before you pick up the phone or fill out an application. Each of the banks has its own limits and criteria for borrowers, some will be more accommodating of your circumstances than others. As your mortgage adviser, Martin can help you at every step of the way, answering questions like ‘how big a mortgage can I get?’ ‘how much of a deposit will I need?’, ‘does rent from flatmates or Airbnb count as income? He’ll get all the information he needs to put together a compelling case for lenders and assist you in choosing the right home loan and lender. When you’re ready to refix your home loan, refinance, or buy an investment property, Martin will be there for you, too.