Mortgage Lending

A Home Loan is a financial solution offered by a bank to assist you in purchasing a property. As part of this financial assistance, you agree to a contractual agreement to repay the loan within a set timeframe. Home loans in New Zealand typically have payment terms that span 20-30 years. In the event that you are unable to fulfill the loan, the bank has the authority to sell or claim the property in order to recover the outstanding payments. Bank financing is the primary method that enables the majority of New Zealand homeowners to purchase their homes.

Gone are the days when we could expect a personalised touch from local banks. Nevertheless, by having a broker on your side, you can revive that personal bond with someone who truly cares about your welfare. They tirelessly advocate for you, ensuring that your individual circumstances are met with the best possible resolution.

As a Ragalan mortgage broker, Laura takes great care in thoroughly evaluating policies, rates, and the willingness of different banks to accommodate your unique situation. By utilizing our services, you can be confident that we will connect you with the Ragalan lenders who are best suited to offer you a positive outcome on the most advantageous terms.

Brokers generally do not charge fees. The compensation they receive is in the form of a commission that is paid by the banks once your lending is settled. This commission is not subtracted from your funds, instead, banks view it as an expense related to acquiring new clients, much like a marketing or staffing cost.Therefore, the broker's time and service are provided to you without any direct cost. However, in specific situations where a private or non-bank lender is required, there may be a service fee imposed by the lender. If your situation falls into this category, we will have a detailed conversation with you well in advance. Nothing will be done without your full comprehension and approval.

Buying a property for the first time in Raglan can feel overwhelming. Having someone by your side to offer guidance and support can truly make a world of difference in certain situations. Recognising the significance of an emotional journey is just as crucial as acknowledging the importance of a financial one. We are excited to have the opportunity to help you become a homeowner in Raglan. Many of Laura's clients are first-time buyers, so we have plenty of experience in assisting people like you.

With Laura, a mortgage expert by your side, you can rest assured that she will find the perfect solution for your specific requirements. Whether you're interested in consolidating debt, financing home improvements, or purchasing an investment property in Raglan, Laura has got you covered. If you're looking to decrease your expenses while also reducing your total debt or if you want to make an investment property profitable. Contact us immediately at Mortgage Broker Raglan to be connected with the ideal mortgage specialist for your specific needs.

Embracing the construction boom is a smart move that can give you a leg up on the competition and help you secure the home you've always wanted. Given the recent increase in construction activity, you now have the chance to customise a home that perfectly suits your preferences and requirements. It's important to recognise that the new build lending process can be quite complex.

When you make the decision to finance your new build, a reliable mortgage expert can provide you with guidance that goes beyond the typical lending process. A Raglan mortgage broker is there for you every step of the way, offering valuable guidance on navigating the intricacies of construction-related financing. They can assist you by providing detailed explanations of different contract types, offering insights into the potential challenges that may arise during construction, and guiding you in making well-informed decisions throughout the financing process. Our Raglan mortgage broker is dedicated to providing you with the knowledge and guidance necessary to navigate the intricacies of new build lending. Our aim is to help you turn your dream home into a reality, empowering you every step of the way.

Fixed rate rollovers play a crucial role in the mortgage process as they expose your interest rates to fluctuations in the market. Additionally, fixed rate rollovers present an excellent opportunity to assess whether minor adjustments can be implemented to reduce your overall expenses or shorten the duration of your loan. Collaborating with a skilled mortgage broker can help you enhance your mortgage terms by engaging in meaningful discussions about your financial objectives and preferences. A dedicated Raglan mortgage broker is committed to assisting you in making informed decisions that align with your present financial circumstances and your future aspirations.