SELF-EMPLOYED AND
SPECIALIST LENDING
REDUCE YOUR TO DO LIST TODAY.
USE A MORTGAGE BROKER TO SECURE YOUR SELF EMPLOYED HOME LOAN.
Have you ever faced challenges getting a mortgage as a self-employed borrower? If yes, then you must know how difficult it can be. Traditional lenders often have stringent requirements for self-employed individuals, making it challenging to secure a mortgage. But don’t worry — Oliver Broomfield is here as your best self-employed mortgage specialist.
With our expertise and experience, we help you navigate the complex mortgage process and secure a loan that suits your needs. Whether you’re a freelancer, contractor, or business owner, we have the knowledge and resources to find the best lending options. Contact us now to get started on your journey to homeownership.
Many Kiwis enjoy the freedom that comes with self-employment. Still, because business cash flow can fluctuate, traditional lenders often hesitate to lend to self-employed borrowers. As a result, many self-employed individuals have to settle for high interest rates or restrictive loan terms.
At Oliver Broomfield, we don’t shy away from helping self-employed borrowers. We have strong relationships with different lenders and can negotiate favourable terms for your mortgage. We understand the financial challenges self-employed individuals face and work with you to find the best lending options.
Our services include:
Contact us now to get the best self-employed mortgage solution so you can focus on growing your business and achieving your goals.
This is a quick overview of securing a mortgage to give you an idea of the process. When you work with me, I will take you through this process to ensure you find the best lender and self employed mortgage available to you. If you are ready to get started or want to ask a few more questions, please don’t hesitate to contact me.
As your mortgage broker, Oliver Broomfield helps you find the best lending options for self-employed borrowers. If you are unable to meet the assessment criteria for a full-document loan, we offer the following options:
Low-doc loans are a great option for self-employed individuals without the necessary financial documents to secure a traditional mortgage. With this type of loan, you can provide alternative forms of income documentation, such as bank statements or business accounts, to demonstrate your ability to repay the loan.
Alternative documentation loans, or alt-doc loans, offer flexibility for self-employed borrowers. Instead of traditional documents, you can use alternative forms of income verification, such as GST returns from the past two years or a letter from your accountant. These types of loans are ideal for those with irregular income streams looking to secure a home loan.
If you have a poor credit history or cannot meet traditional lender requirements, non-conforming loans may be an option. These loans are designed specifically for self-employed individuals however often come with higher interest rates and stricter terms.
A key aspect of our services is guiding you through the entire process to ensure everything stays on track. We ensure that you complete each step on time with all the right documents. Here’s a quick overview of the lending process and how we assist you:
Securing loans for self-employed individuals can be tricky. Our team of expert mortgage advisors takes the time to chat so we can better understand your business and finances. This enables us to assemble the best possible application for the lenders.
As part of your initial consultation, we will create a list of documents that you need to provide. These will usually include tax returns, financial statements, bank statements, and more.
At Oliver Broomfield, we provide a detailed financial assessment alongside the summary. We also compare your income with the potential costs of homeownership to help determine what’s possible with your mortgage options.
To help you prepare for the costs of owning a home, we will share estimates for mortgage repayments, insurance, rates, legal fees, valuation costs, and more. This ensures you have a clear understanding of what to expect.
Before submitting your application, we will review all the details of your finances to ensure everything is in order. This includes ensuring that all income & expenses have been included and explained clearly to the lender, outlining what the deposit requirements are for the type of property you wish to purchase, and what the required borrowing and property ownership structures are likely to be.
While having a significant deposit is beneficial for any mortgage application, it can be challenging for self-employed borrowers to save due to fluctuating income. We offer solutions such as using equity in an existing property or gifts from family members to help with your deposit.
At Oliver Broomfield, we understand that self-employed business owners have a lot on their plates. Our services save you time and help you meet tight purchasing deadlines. We mostly receive a commission from the bank once your mortgage is secured. For more complex situations the lender will charge a fee which can often be added onto the mortgage. These fees will be discussed and agreed upfront. Why not reach out now and let us get your self-employed mortgage sorted?
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.
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