Mortgage broker North Shore

My office is at 7/3 Workspace Drive, Hobsonville, Auckland 0618, right on the Upper Harbour Motorway, so Albany, Greenhithe, Glenfield and Hillcrest are a short drive away. We can meet at the office or do everything by phone and video. I advise under the Mortgage Managers licence, and Mortgage Managers has been helping people across West Auckland and the North Shore since 2004.

Refinancing and refixing. Many North Shore homeowners have had the same bank for years and simply roll over when their fixed term ends. A review can often find a better rate or a better loan structure, and some banks offer cash contributions when you switch. See refinancing and when switching banks pays.

1990s and early 2000s homes. Parts of the Shore, including around Albany and the East Coast Bays, have a lot of homes from the era when some monolithic cladding systems had weathertightness problems. Lenders can ask for a building report on these, so it pays to get one early.

Cross-lease flats and units. Older units in suburbs like Glenfield, Northcote, Birkenhead and Sunnynook are often on cross-lease titles. If the flats plan doesn’t match what’s actually built, that can hold up lending. I’ll flag it before you go unconditional.

Investors. Investors generally need a bigger deposit than owner-occupiers unless it’s a new build. See property investment loans.

I work out what you can realistically borrow, compare the lenders that suit your situation, and handle the paperwork through to settlement. The initial assessment is free, and for bank home loans the lender pays my commission, so there’s normally no cost to you. Start with the borrowing calculator if you want a ballpark figure first.