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Unfortunately hearing the bank say “NO” to a mortgage application is becoming more common these days, particularly for First Home Buyers and Self Employed borrowers. They can decline your application...
When you own more than one property the bank will want to link your properties, and while it is the easy option it is not the best option. You need...
So you might be wondered can a single woman buy a home by herself these days. As a mortgage adviser I’ve had many single woman looking to buy a first...
As a mortgage adviser I get to see a lot of people in varying situations that want to get their first home, and with that I have created a list...
As a mortgage adviser, and from our Facebook Group I hear from lots of first home buyers asking “does a student loan affect getting a mortgage” and if they can....
Most people would be surprised at how many people use non-bank mortgages these days. The term “Non-Bank Lending“, “Non-Bank“, “Bank Alternatives” or “Second Tier Lenders” simply refers to those lenders...
One of the key roles for any mortgage adviser is to source and give you advice on the best mortgage option. Other key roles include getting the mortgage approved, and...
Kiwis often don’t know where to get help dealing with mortgage arrears. They are told to speak to their banks, but do not feel comfortable dealing with some credit person...
We cannot dwell on the past, but unfortunately the banks often do and penalise us for years after we have had something go wrong. A default will stick on our...
New Zealand has a large number of self employed people and small business owners whom find it difficult to meet the banks criteria when it comes to proving income. That’s...
Bad credit mortgages are possible, but not from your bank. If you have some bad credit you may leave the bank disappointed that they cannot help, even when you have...
We hear this debated on social media all the time – people saying go directly to the bank for a home loan while others say you should use a mortgage adviser....
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