When you use a mortgage adviser, you give yourself an advantage because Andrea is talking to lenders everyday to find the best home loan packages, including discounted rates and bank cash contributions to be used towards legal fees and moving costs. Andrea takes a truly impartial view of hundreds of loans from a wide range of lenders, and then negotiates the best deal for you from the lenders.
Andrea will guide you through the pre-mortgage stages of the process, providing you with guidance for open homes, how to make a fixed price offer, a pre-auction offer, or preparing to bid at an auction. Andrea is a qualified Legal Executive and can recommendation conditions and clauses to be inserted into your Sale & Purchase Agreement/offer. Once you have a signed Sale & Purchase Agreement, she will compile your loan application documents, and present your mortgage to the best lender for your particular set of circumstances. Different lenders are suited to different applications.
Andrea takes the stress out of the process by attending to the paperwork, liasing with your solicitor and accountant as necessary and ensuring that finance dates and other deadlines are met. Once your loan has been approved, Andrea will ensure that your new bank accounts are opened in time for settlement, and that settlement takes place smoothly, so that you can focus on moving into your new home.
There has never been a better time to have your mortgage reviewed. Interests rates are low and there are some fantastic home loans deals now available, with some lenders offering cherries such as cash back contributions for a refinance.
Andrea will review your mortgage and financial position, analyse your current fixed/floating interest rates, fixed loan expiry dates, and relevant bank 'break fees' where applicable. She will calculate whether it is feasible to refinance with your existing bank or whether it makes sense to refinance with a new bank in order to obtain a bank cash contribution which can assist with paying 'break fees' at your current bank.
Andrea will then arrange the refinance for you, negotiating the best possible discounted rates, together with any applicable bank cash contributions, and attending to all the paperwork. You will wonder why you've ever negotiated direct with a bank, in the past.
We advise both business and personal clients. Please email us on the form below or give us a call on 09 419 5440 if you require further information or would like to make an appointment with a financial adviser.
A disclosure document is available, on request and free of charge.
Financial Services Auckland Ltd belongs to many of New Zealand's prominent financial service groups.