#1 Top Mortgage Company | Mortgage-Review-Refix-Refinance

MORTGAGE REVIEW,
REFIX OR REFINANCE

Reviewing the mortgage

It’s a good idea to check things like your level of repayments and interest rate from time to time. It pays to do it every year or two, or when:

A fixed-rate loan is about to expire
The interest rate on a floating rate mortgage changes
There’s a big life change on the horizon, such as starting a new job, starting a family etc
You get a big lump sum such as an inheritance

It helps to take a moment and ask – are these mortgage payments still as big as I can comfortably afford?

Check the budget to see if there’s spare money to put toward extra repayments.

Even boosting repayments by the equivalent of $25 a week may save thousands of dollars in interest, which means you could be mortgage-free months or even years earlier!

Let me review your mortgage and personal situation to see if we can help you pay the mortgage off faster. Best mortgage broker Auckland NZ

Reviewing the mortgage

I help Kiwi’s get mortgages for their new homes. I also help Kiwi’s refinance when their existing mortgage is no longer the right fit for their lifestyle or no longer competitive compared with other lenders.

Whether you are ready to shorten your mortgage term, maybe you want to reduce your monthly repayments, or perhaps you need to borrow against the equity, I can help you find the right refinancing package.

Typically, you should have had your mortgage in place for at least a year before you refinance, but this isn’t a set rule.

In today’s marketplace, there is no reason why you should not have a competitive interest rate.

I will walk you through an assessment to ensure that refinancing is the right decision financially for you.

From there we will put together the documents for your existing or new lender to apply for a refinancing package.

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 my mortgage clients:

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. Particularly with first time homebuyers this can be a tricky to do. 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

First time home buyers are in a unique situation to utilize many different options to raise funds for a deposit. This includes grants, kiwi saver, family guarantees, and much more. I will ensure no stone goes unturned to find the best deposit option for you.

First Time Home Buyers Checklist

Buying your first home and securing lending 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 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
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
26/02/2021
Oliver was unbelievable in helping us buy our first home. He was there every step of the way and was on hand to answer any questions we had. I don’t think we would have gotten our home without his help. Really nice to work with, highly recommend him.

Shane Chambers
31/08/2023
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
We cannot fault Oliver & highly recommend his services to potential clients. We've been using Oliver for almost a decade now and always think of him first when considering our finance requirements. This 5 star review is long-overdue and have recently recommended his services to some friends who we're certain will in no doubt recommend him also. Thanks always Oliver for your support and assistance with everything, it's always much appreciated. Wishing you all the best and we'll be in touch again soon. Thank you, Ian & Grace

Ian Barry
04/12/2023
Oliver is truly the best broker we have ever used. He assisted us with new build home loans, commercial finance and finance. He is super knowledgeable, helpful and honest. We have used Oliver for many years. He helps you every step of the way.

Lara Kamionka
15/05/2022
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
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
Oliver was fantastic and stuck with us through a very long process.

Craig Hurley
16/12/2021

MORTGAGE REVIEW, REFIX OR REFINANCE

Reviewing the mortgage

Reviewing the mortgage

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 my mortgage clients:

Meeting and Chat

Set up for Mortgage Application Success

Summary and Action Steps

Home Ownership Budget

A Home Buyers Financial Assessment

Options for Deposits

First Time Home Buyers Checklist

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

MORTGAGE REVIEW,
REFIX OR REFINANCE