As a mortgage adviser I’m often asked to help get home loans for self-employed people.
For anyone that is self-employed they may find that speaking to a bank about a home loan can be quite a frustrating prospect.
As an experienced mortgage adviser I try to ensure that we get all the information, and a good understanding of your earnings which can help make this quite a smooth process.
I can explain how the various options and features work and can benefit you, plus I can help you get a home loan that can be paid off faster too – that’s how you can really save money.
There is a range of banks and non-bank options to choose from.
Sometimes the non-bank options can be better when there is a difficulty proving income. Some of the non-bank lenders apply “common sense” or can look at alternative ways to “prove” an income and this can make all the difference.
Working with Mortgage Managers I have access to most banks and non-bank lenders so you know that you will have the options to consider.
Until we have a good look and a discussion we will not know what will suit you best, but I’m always happy to have a look for you.
Building your own home is a dream for many Kiwi families. Designing a property that perfectly fits your lifestyle, needs, and future plans can be exciting but knowing where to...
When applying for a home loan, most people focus on income, savings, and property prices — but one thing that often catches borrowers off guard is how credit cards affect...
Many retirees find themselves in a common situation: owning a valuable, mortgage-free home but needing extra funds to supplement their retirement income or achieve a change in lifestyle. Reverse mortgages,...
The Reserve Bank of New Zealand (RBNZ) is changing the rules around how much deposit you need to buy a house. Effective December 1, 2025, the RBNZ is easing its...
Your credit score has become more important than ever. In recent years, banks and lenders have placed greater emphasis on assessing your creditworthiness before approving any kind of finance, whether...
Are you one of many young Kiwis dreaming of owning a home but finding the traditional route just out of reach? You’re not alone. With rising property prices and hefty...
Copyright 2023 Mortgage Sense – All Rights Reserved