Loan for Existing Home Owners, MORTGAGE to Purchase a Second Home or Rental Property

Investment mortgage broker advising a client

Best Investment Mortgage Broker Services

Buying your next home or investing in a rental property can be an exciting and profitable venture. However, having the right financial guidance and investment mortgage broker services is crucial to ensure a successful outcome.

At Oliver Broomfield Mortgages, we are dedicated to offering tailored solutions and strategic insights to help you maximise your investment potential. Whether you are purchasing your first rental property or expanding your portfolio, our comprehensive services ensure you receive the best loan structure and rates available.

New build mortgage - construction site of a new home

As your dedicated investment mortgage broker, I am here to offer you tailored solutions and strategic insights to maximise your investment potential. Whether you are purchasing your first rental property or expanding your portfolio, I provide comprehensive services to ensure you get the best loan structure and rates available.

The best part? All our services are free, and we only receive a commission once your mortgage is secured. So, you can trust us to always have your best interests in mind.

Customised Loan Solutions for Investment Properties

Each investment property has unique characteristics, and so should its mortgage. As a specialised investment mortgage broker firm, we understand the importance of tailored Auckland mortgage advice that considers cash flow, tax implications, and long-term goals.

We offer a range of customised loan solutions for investment properties, including:

  • Expert advice on property valuations and market trends
  • Access to detailed property reports to help you make informed decisions
  • Guidance on managing finances for successful investment property ownership
  • Assistance with finding the best bank deal and mortgage structure

With our expert guidance, you can confidently navigate the investment loan process and secure the best terms for your property. Let us help make your investment property dreams a reality.

Services Provided to Existing Home Owners

If you are a homeowner considering investing in another property, Oliver Broomfield Mortgages is here to assist with services tailored just for you. Our services include:

  • Help coordinate the purchase of a new property while selling your current one within the same market
  • Secure bridging finance from your existing lender or a specialist lender if settlement dates do not align
  • Explore options for retaining your current property as a rental investment if that aligns with your goals
  • Support you with financing for acquiring your first or second rental property
  • Evaluate both existing and new mortgage structures to minimise interest costs
  • Offer competitive interest rates for refinancing your mortgage and rate fixes
  • Conduct house insurance reviews and provide competitive construction loan, home and car insurance quotes
  • Deliver Personal Risk Reviews to ensure adequate insurance coverage for you and your family
Home renovation financed by a construction loan

My job is to walk you through the mortgage process and ensure you get the right mortgage and have a financially stable future ahead of you.

You don’t need to commit this to memory, but below is an overview of what my process looks like for first time home buyers:

Investment Mortgage Broker Process

Meeting and Chat

Every mortgage and loan is different, so we invest time in understanding your unique situation. This allows us to effectively prepare the necessary supporting documents for the bank. We aim to ensure your application is strong, giving you the best chance of approval for your investment property loan.

Set up for Mortgage Application Success

A key aspect of our role is ensuring that your application is comprehensive and appealing enough for banks to approve your loan. We work with you to ensure all documents are accurate, up-to-date, and submitted in an organised fashion.

Summary and Action Steps

Keeping track of everything can be overwhelming. After our initial meeting, we will provide you with a summary for your reference and a list of action items that need to be addressed as we prepare for the next steps.

Home Ownership Budget

We provide prospective homeowners with a detailed budget and quotes for homeowners’ insurance to ensure that financial planning for a new home is carefully considered and thoroughly established.

Financial Assessment

Buying a home often involves hidden costs beyond just mortgage payments. To help you prepare, we conduct a comprehensive financial assessment comparing your current fixed expenses with the additional costs of your new home. This ensures you have the right financial foundation in place.

Options for Deposits – (Including Bridging Finance)

Second-time home buyers often rely on the equity from their current property and personal savings to make a deposit. Depending on the settlement dates, it may be necessary to apply for bridging finance. Oliver Broomfield can assist in securing bridging finance from your existing lender or a specialist lender to bridge the gap between purchasing and selling properties.

Depending on the settlement dates, applications may need to be presented with a request for bridging finance.

Second Time Home Buyers Checklist

Buying a second home and selling your current one can feel like a race against time with many steps involved. To simplify the process, Oliver Broomfield provides a handy checklist to keep you on track with all the steps and deadlines. You will always know exactly where we are in the process, and we are available to answer any questions or concerns.

This is just a brief summary to give you an idea of what the process looks like to prepare for a mortgage. If you are ready to get started or want to ask a few more questions, contact me today.

    Testimonials

    • 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 Jobin Avatar cassandra louise Jobin
      02/07/2021
    • Me 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 Ibrom Avatar Jess Ibrom
      02/03/2021
    • I 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 Marshall Avatar Hanna Marshall
      24/03/2021
    • Working 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 Morgan Avatar Chris Morgan
      28/02/2021
    • Oliver 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.

      mejsnarp Avatar mejsnarp
      26/02/2021
    • Anyone 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 L Avatar ness L
      03/09/2020
    • Highly 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 Holden Avatar Steven Holden
      21/09/2021
    • Oliver 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 Garman Avatar Lis Garman
      01/10/2021
    • Oliver brought our dream to reality. He is amazing.

      Iran Lover Avatar Iran Lover
      07/11/2021
    • Oliver was fantastic and stuck with us through a very long process.

      Craig Hurley Avatar Craig Hurley
      16/12/2021