Best Mortgage Broker Auckland | Home Owner

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

Buying your next home is often required to fit a growing family, move into a new area or purchase a rental investment property.

As with first home buyers, extending the mortgage is also a big financial decision.

It’s important to work with someone who knows the finance requirements when selling your existing property and purchasing a new property.

That’s where I come in. As your mortgage broker I offer extensive services and consulting around the home loan process.

Services Provided to Existing Home Owners;

Assist with the co-ordination of buying a new property and selling your existing property in the same market.
Obtain bridging finance from your existing lender or from a specialist lender if settlement dates do not match up.
Discuss options around keeping your existing property as a rental investment if that is a goal of yours.
Help with finance requirements to purchase your first or second rental property
Review existing and new mortgage structures to ensure you are in a position to minimize interest costs over the life of your mortgage.
Provide competitive interest rates for your mortgage refinance and refix – and quickly compare with other lenders.
Provide house insurance reviews and competitive house, contents and car insurance quotes
Provide Personal Risk Reviews to ensure you and your family are adequately insured.

As before my services to you are free. I work as your advocate and ensure you get the best mortgage advice. I am only paid a commission from the bank once your mortgage is secured and successful.

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:

Meeting and Chat

Every mortgage and loan is different, so I take the time to understand you and your situation, so we can prepare the right supporting documents for the bank

Set up for Mortgage Application Success

One of the biggest parts of my job is making sure your application is complete and attractive to the banks to approve the loan. Your application is custom built to highlight your individual circumstance and lending eligibility.

Summary and Action Steps

I get it, it’s a lot to remember. After our first meeting, I will send you a summary that you can refer to at any time, plus a list of the action points we need to take to get ready for the next step.

Home Ownership Budget

Indicative home ownership budgets will be presented along with quotes for homeowners’ insurance to demonstrate that the budgeting for a new home has been well thought out and established.

A Home Buyers Financial Assessment

There are several hidden costs that come with buying a home that aren’t included in mortgage payments. To ensure you are fully prepared for the transition, we do a financial assessment to compare your existing fixed costs and the added costs of a new home to ensure you have the right finances in place.

Options for Deposits – (Including Bridging Finance)

Second time home buyers are limited in their options for deposit funds. Often it is the equity in the existing property, plus savings which is used for a deposit.

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

Second Time Home Buyers Checklist

Buying your second home (along with selling your existing home) is a time-sensitive process with many steps. To help keep things on track, I offer a full checklist of steps and timeframes that need to be met. You will never be unsure of where we are in the process.

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.

CONTACT ME

Testimonials

Oliver is amazing he made the whole process of buying and selling super easy and hassle free. Would highly recommend

Lisa Johnson
30/10/2022
Oliver brought our dream to reality. He is amazing.

Iran Lover
07/11/2021
Oliver is an incredibly proficient and easy to deal with mortgage broker. Oliver makes what can be a stressful process, easy and straightforward. We have used Oliver for both residential and commercial borrowing for over 12 years and wouldn't hesitate to recommend him.

Cherie Mobberley
14/03/2024
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
02/07/2021
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
01/10/2021
Thanks to Oliver's help, my partner and I were able to purchase our first home. He was so incredibly helpful, answered all of our questions and gave good, solid advice. We really wouldn't have achieved this milestone without him and couldn't recommend him more!

Olivia Day
27/06/2023
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
21/09/2021
VERY happy with services, solutions and responsiveness from Oliver and his team. Happy to recommend him to anyone looking for financial services and advice.

Michael Preece
29/10/2023
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
02/03/2021
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
03/09/2020