Helping Kiwis with Home Loans

First Home Buyers

Buying a first house? No doubt you have lots of questions which is where we can help you.

Here’s some of the questions you’ll be asking:

Can I afford to buy a house? Do I need a Financial Advisor? What is this First Home Grant I’ve heard people talking about? Is it the same as the Home Start Grant? (yes!)

You need to know how to secure a mortgage, so you probably want some financial planning advice.  Who are the finance experts? Do you talk to a Mortgage Specialist, a Financial Planner, a Financial Adviser – and maybe a big question for you is how do you find an ethical financial advisor?

We would love to help you through this process, buying a first house is going to be one of the biggest things you ever do and it’s an exciting and daunting process. 

We can talk you through the whole process, from accessing a first home grant to getting pre-approval from the banks. Maybe you’re thinking about building your first home rather than buying an existing house – there are lots of options and we can help you to navigate them all. 

As Mortgage Specialists we will guide you to getting the best outcome for your personal situation. It’s different for everyone, and we are confident that we can can provide you with financial planning advise that will help you to buy your first home and ultimately to get mortgage free faster.

Your Budget

Getting an understanding of where you spend your money is the starting point. A budget is an attempt to constrain your spending, and often feels negative.

That’s one way to look at your money.

We prefer the term Spending Plan, as we all know that money is made to be spent and we want to support you into the lifestyle you want. Spending plans are a conscious decision on how to use your money to get a home, holiday, or whatever else you want.

We provide you with financial planning tools to help you track your income and outgoings, because once you understand what your current financial situation is it is much easier to plan your next steps towards financial freedom. As they say, knowledge is power!

Personal Loans

Is your savings account looking a bit slim? Do you need quick cash for replacing an appliance or a car?

Emergencies happen, and while we wish our savings account could cope with the sudden pressure, we sometimes need a personal loan to see us through. Don’t be suckered in by a credit card with a high interest rate that you can’t pay off.

Sometimes we need money for big planned events, such as a family holiday or a wedding, or maybe even a new car. Increasing your mortgage or a personal loan can help you achieve this goal without resorting to a credit card with a high interest rate.

We can help you to secure finance to cover small and big spends, and we’ll make sure that the loan suits your situation so that you are in a position to make repayments and get out of debt as soon as you can.

We know that there is more to life than just working to pay off personal loans and mortgages.

Debt Consolidation

Sometimes we find ourselves in a sticky situation, with debt getting out of hand. This can be very stressful.

Debt consolidation will really help you to get back on top of your personal finances.

When our finances get too hard, the tendency is to bury our heads in the sand. Having support from a financial adviser to lead you through this difficult time with some solid financial planning will make all the difference to how you recover financially.

We can help you to refinance your different debts into a single loan, to simplify your life and generally save you money and stress. Paying off one sum is the better option.

With some smart financial planning and a debt consolidation plan we can refinance your debts to ease your cash flow and save you paying high interest rates.