Mortgage Broker Christchurch
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Home Loans

Home Loans is what I do

 

What I do Video

Pre-Approvals 

If you are unsure what you need to borrow from lenders, then we can apply for a pre - approval so when a property comes up that ticks all the boxes you are good to go.

First home buyers

Why not consider using Kiwi Saver and The Home Start Grant to help you save for your deposit faster? You can phone your Kiwi Saver provider any time on their 0800 number to learn how much your first home withdrawal balance is.

For Home Start Grants see if you are eligible through the following link: Kiwisaver Home Start Grant Eligibility Checklist

Family – this might be a hard conversation to bring up but talk to your family they may be able to provide a personal guarantee or a gift towards your first home purchase.

Investment property

Whether this is your first investment property or you are now expanding your portfolio we can help.

With personal experience in both managing and owing rental properties we can provide you with in depth knowledge of owing your own rental property. 

We do always highly recommend talking to your accountant prior to purchasing a rental property to obtain the best benefit for your personal situation.

Existing home owners

Circumstances changed? We make it easy for you to up-size or downsize

Despite all the planning you do, life certainly has a way of taking control… Circumstances change and the place we call home can often need a change as well.

Want to go bigger? Is the pitter patter of little feet forcing you to think about a bigger place? Maybe you’ve simply outgrown your first home or need space for family to stay? Perhaps you want an investment on the side or crave a getaway to escape to? Or maybe you’ve made the decision to be in a certain school zone – we know that, here in Christchurch, school zones influence home buyers more than anywhere else in New Zealand.

Looking to downsize? Maybe the kids have finally bolted, you’re retiring, or you just want to free up some of that equity in your home. You’ve got the idea, but how do you make it a reality? If you’re wondering "Can I do this and still end up in a good position financially?" or "Where do I even start?" we can help you get clarity on what your goals are, and what’s realistic and affordable for you to do. So, let’s have a chat – give us a call, or drop us a line.

Renovations

Perhaps you love the home and area you live in with the right school zones etc. but the home is just to small so you plan to renovate, well let me help you here - it's easy.

Reverse mortgages / equity release

Sometimes cash can be hard to find on occasions such as repairs and maintenance to your property, perhaps you have a medical condition that requires urgent funding or maybe a holiday to visit the grandchildren ask me how we can get the cash you need for such a time as this.

Refinancing

Maybe you want a new car, take a holiday or perhaps just a top up is required from your existing loan then ask me and I can help with this.

Construction loans

Whatever type of building or construction path you are planning to take I am here to help you understand the process as I am also a licensed building practitioner.

New turn key builds

With turn-key builds you usually pay a deposit up front upon approval of contract then the balance on completion of the build.

The advantage of a turn-key build is that you do not have to make progress payment and cover the mortgage/rent whilst building, which makes it easier for you to continue your existing rent or mortgage repayments. You also end up with a brand-new house at the end of the project.

Many building companies have turn-key packages on offer at a fixed price arrangement.

If you are thinking about heading down the path of a turn-key build, contact me and I can sort a pre-approval for you (90 days in advance) to ensure you shop with in your price range.

New builds managed by a building company

First things first - it always pays to chat to your Mortgage Broker first when building to work out a budget to ensure you can afford the repayments on a building project (allowing for any potential over runs) before proceeding with any plans, as criteria with banks is slightly different to that of purchasing an existing property.

Once approved for the lending the next step is to start searching for land, depending on where the land is located a Geo Tech report may be required by the bank.

Once you have found land it then pays to chat with your building company and ensure your vision for the land is possible. (Do your research on companies and find the best one that suits you, alternatively I can refer you to a some well reputed building companies.)

Once your plans are designed and consented the build will be able to proceed so long as it is within approved budget, a good project manager will keep you informed of progress along the way – it does always pay to request regular contact and updates on your build.

Often builds will work with progress payments, your lending will increase as the build progresses ensure you have money in the bank to make the repayments. Note: Often the bank will not pay out the final 5-10% of lending until a completion certificate and code of compliance is issued.

Building can be very exciting and daunting at the same time, we have managed many builds and I have built personally I like offering my experiences and would love to help you with your project.

New self-managed builds

First things first - it always pays to chat to your Mortgage Broker first when building to work out a budget to ensure you can afford the repayments on a building project (allowing for any potential over runs) before proceeding with any plans, as criteria with banks is slightly different to that of purchasing an existing property.

Once approved for the lending the next step is to start searching for land, depending on where the land is located a Geo Tech report may be required by the bank.

Once you have found land you will then need to get a plan drawn up to obtain all the costs and quotes to complete the project with in your approved lending budget. Then once your plans are consented the build will be able to proceed.

Often builds will work with progress payments, your lending will increase as the build progresses ensure you have money in the bank to make the repayments. Note: Often the bank will not pay out the final 5-10% of lending until a completion certificate and code of compliance is issued.

Building can be very exciting and daunting at the same time, we have managed many builds and I have built personally I like offering my experiences and would love to help you with your project.

 
 

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