Nine Reasons For A Home Loan Pre Approval
15/03/2025
Clients often ask if it’s worthwhile obtaining pre-approved finance. They want to know the benefits of going through the process.
Personalised
Mortgage Support
For You
And Your Family
Struggling to find the right mortgage in the maze of options available? Feeling overwhelmed by complex terms and unsure whom to trust? You’re not alone, and we’re here to help. Oliver Broomfield Mortgage Broker has been guiding individuals and families through the often daunting process of obtaining a mortgage for years.
Serving the vibrant communities of North Shore Auckland – from the bustling streets of Takapuna and the beautiful beaches of Milford to the family-friendly neighborhoods of Devonport and Birkenhead – we understand the local market like no one else. Distance isn’t a barrier. We’re already working with clients all across the North Shore and throughout other Auckland areas!
With years of experience and a deep commitment to our clients, our mortgage broker North Shore takes pride in offering personalized mortgage solutions that fit your unique needs. Our mission is to help you accelerate your home ownership journey, ensuring that you and your family can settle into the home of your dreams without unnecessary stress or confusion.
We offer a comprehensive suite of mortgage services tailored to meet the diverse needs of our clients. Whether you’re a first-time home buyer, an existing homeowner looking to upsize or downsize, looking to invest in a rental property, self-employed, or planning to build your dream home from the ground up, we have the expertise and resources to make it happen.
We work closely with a wide range of lenders, including New Zealand and Australian-owned banks, as well as alternative non-bank and specialist lenders. This extensive network allows us to find the best loan options available, ensuring competitive rates and terms that align with your financial goals.
Our unique hands-on approach means we handle the complexities of the mortgage process, so you can focus on what truly matters—preparing for the next exciting chapter of your life.
We offer a comprehensive range of mortgage broker services to North Shore residents
Choosing the right mortgage broker can make all the difference in your home buying or investment experience. Here’s why Oliver Broomfield Mortgage Broker stands out:
Comprehensive Support – From initial consultation to final settlement and beyond, we’re committed to your success.
Our services are designed to assist a wide range of clients:
We believe in making the mortgage process as straightforward as possible. Here’s how we work:
We’ll start with a friendly conversation to understand your goals, financial situation, and any concerns you might have. This can be done in person at our North Shore office, at your home, a local cafe, your work, over the phone, or via video call—whatever suits you best.
We’ll conduct a thorough analysis of your income, expenses, assets, and liabilities. This helps us determine how much you can borrow and what loan products are most suitable.
We handle all the paperwork, from preparing your application to submitting it to the selected lenders. We’ll keep you updated throughout, managing any queries or additional information requests from the lender.
Once your loan is approved and you have signed a purchase agreement, a build contract or you wish to refinance, we’ll assist with the settlement process.
We will discuss & finalize the exact type of mortgage required, provide lender & product comparisons, then negotiate interest rates, fees and lender cash contributions for you.
We will remain available for any future needs, such mortgage refixes and reviews, refinancing or additional loans. Our relationship doesn’t end at settlement, we’re here for the long haul.
While a 20% deposit is standard for a mortgage, there are lending options available that require as little as 10% or even 5% deposit, especially for first-time mortgage buyers. We can explore low-deposit mortgage loans and help you understand the implications on your mortgage repayments and overall financial plan.
Absolutely. We specialize in assisting self-employed individuals with their mortgage needs. We’ll help you prepare the necessary financial documentation for your mortgage application and connect you with lenders who are more flexible with income verification for self-employed mortgage seekers.
A construction loan is specifically designed for building projects and differs from a turn-key and a standard home mortgage. Funds are released in stages as construction progresses, whereas a turn-key and a standard home mortgage provides a lump sum for purchasing an existing property. Construction mortgages often have interest-only payment options during the build phase, making them more suitable for construction needs than traditional mortgages.
The timeframe can vary depending on the complexity of your mortgage application and the lender’s processing times. On average, initial mortgage approval can take anywhere from a few days to a couple of weeks. We strive to expedite the mortgage process by ensuring all documentation is complete and accurate.
While a low credit score can pose challenges for obtaining a mortgage, it’s not necessarily a deal-breaker. We have access to specialist mortgage lenders who consider factors beyond just your credit score. We’ll work with you to identify viable mortgage options tailored to your situation.
Refinancing your mortgage can be beneficial if you’re looking to secure a lower interest rate, reduce monthly mortgage payments, or access equity in your home. We’ll evaluate your current mortgage loan and financial situation to determine if mortgage refinancing is advantageous for you.
No, our mortgage services are free for clients. We are compensated by the lenders once your mortgage loan is settled, allowing us to provide you with expert mortgage advice at no direct cost with the exception of some non-bank lenders where a fee is agreed upfront and often added onto the mortgage.
I have been working with Kiwi families for years, to ensure they are getting the right financial advice around buying and selling their home. I am a family man myself, and I understand how important it is to keep these kinds of finances in line. My passion is helping other Kiwi families just like my own find financial freedom.
My job is to negotiate for you, to ensure you get the best options from lending providers.
I take a hands-on approach from start to finish, so you never feel alone or lost in the process.
The best part is it doesn’t cost you anything to get my advice. I am home loan broker Auckland.
My clients are typically Wage & Salary Earners & Self Employed Business Owners and Contractors
Home loan lenders, I provide solutions from NZ & Aus owned banks and a range of alternative Non-bank & Specialist lenders.
Oliver was excellent in helping us purchase our very first home. Oliver is very approachable, has great knowledge and very welcoming. Oliver was great at answering our questions and making sure he was available to us if we needed to ask anything. I would highly recommend Oliver if you are in Auckland.
cassandra louise JobinMe and my wife Rebecca had the opportunity to work closely with Oliver when purchasing our first property. We had already done some research and Oliver came highly recommended to us. Straight from the outset Oliver put us at ease! something which was so important as we started our process of being first time homeowners!. Throughout the course of the coming weeks and months Oliver was always on hand to guide us in the process and we felt completely assured step by step. Oliver was highly knowledgeable, experienced and professional and we can't thank him enough for all his guidance! he was outstanding and any question or concern we may have had he quickly put us at ease. We would highly recommended Oliver for any mortgage and insurances queries.
Jess IbromI recently purchased my first home. It took 8 months to find the right house in the current market. Oliver patiently assisted me through the entire process. I found Oliver to be extremely knowledgeable, helpful and was very prompt on communication with the many queries I sent to him. I highly recommend his services.
Hanna MarshallWorking with Oliver was great! We felt like we had constant support throughout the journey, which is quite overwhelming for a first home buyer. We would highly recommend working with him.
Chris MorganOliver helped me with every step of my first home purchase. He's very responsive and helpful. Definitely saved me a lot stress and work 🙂 I'd recommend to anyone looking to purchase a house.
mejsnarpAnyone who asks for help with Mortgages, I happily give Oliver's name! I am so very grateful for his help last year getting some stability with our home. He was extremely professional and very patient helping me with anything I was not sure on during the process. I highly recommend Oliver. Oliver thankyou so so much for all your fabulous work helping me and the kids secure our future! aka V Evans
ness LHighly recommended, top quality advisor - very happy with the result. Oliver was able to provide multiple loan options for us to consider which gave us valuable choices and comfort levels and enabled us to make the best decision.
Steven HoldenOliver has worked with our family for over 20 years and we will continue to use his expertise well into the future. He has personally help me purchase my first home and rental investment, and always finds us the best interest rates every time we refix. Oliver is your go to guy when it comes to buying property and I can't recommend him enough.
Lis GarmanOliver brought our dream to reality. He is amazing.
Iran LoverOliver was fantastic and stuck with us through a very long process.
Craig HurleyClients often ask if it’s worthwhile obtaining pre-approved finance. They want to know the benefits of going through the process.
The realisation of how hard it is to be a homeowner becomes all too clear when prospective buyers start the process of reviewing their finances, calculating how much deposit is
Buying a home is something that many Kiwis dream about – but it’s a significant financial investment, and many have trouble securing the money to purchase property. Luckily, if you co-buy a home with a trusted ally, you could make your property goals come true.
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