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Mortgage Auckland

We help Kiwiu2019s get mortgages for their new homes. We also help Kiwiu2019s refinance when their existing mortgage is no longer the right fit for their lifestyle or no longer competitive compared with other lenders. Whether you are ready to shorten your mortgage term, maybe you want to reduce your monthly repayments, or perhaps you need to borrow against the equity, we can help you find the right refinancing package.<br>visit: https://www.oliverbroomfield.co.nz/borrow/mortgage-review-refix-or-refinance/<br>

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Mortgage Auckland

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  1. Oliver Broomfield Mortgage & Insurances Auckland, NZ

  2. Reviewing the mortgage It’s a good idea to check things like your level of repayments and interest rate from time to time. It pays to do it every year or two, or when: • A fixed-rate loan is about to expire • The interest rate on a floating rate mortgage changes • There’s a big life change on the horizon, such as starting a new job, starting a family etc • You get a big lump sum such as an inheritance

  3. My job is to walk you through the mortgage process and ensure you get the right mortgage and have a financially stable future ahead of you. Let me review your mortgage and personal situation to see if we can help you pay the mortgage off faster. Best mortgage broker Auckland NZ

  4. REFINANCE YOUR MORTGAGE • I help Kiwi’s get mortgages for their new homes. I also help Kiwi’s refinance when their existing mortgage is no longer the right fit for their lifestyle or no longer competitive compared with other lenders. • Whether you are ready to shorten your mortgage term, maybe you want to reduce your monthly repayments, or perhaps you need to borrow against the equity, I can help you find the right refinancing package. • Typically, you should have had your mortgage in place for at least a year before you refinance, but this isn’t a set rule. • In today’s marketplace, there is no reason why you should not have a competitive interest rate.  • I will walk you through an assessment to ensure that refinancing is the right decision financially for you. • From there we will put together the documents for your existing or new lender to apply for a refinancing package.

  5. The Process • Every mortgage and loan is different, so I take the time to understand you and your situation, so we can prepare the right supporting documents for the bank • I get it, it’s a lot to remember. After our first meeting, I will send you a summary that you can refer to at any time, plus a list of the action points we need to take to get ready for the next step. • There are several hidden costs that come with buying a home that aren’t included in mortgage payments. To ensure you are fully prepared for the transition, we do a financial assessment to compare your existing fixed costs and the added costs of a new home to ensure you have the right finances in place.

  6. Buying your first home and securing lending is a time sensitive process with many steps. To help keep things on track, I offer a full checklist of steps and timeframes that need to be met. You will never be unsure of where we are in the process. • One of the biggest parts of my job, is making sure your application is complete and attractive to the banks to approve the loan. Particularly with first time homebuyers this can be a tricky to do. Your application is custom built to highlight your individual circumstance and lending eligibility. • Indicative home ownership budgets will be presented along with quotes for homeowners’ insurance to demonstrate that the budgeting for a new home has been well thought out and established. • First time home buyers are in a unique situation to utilize many different options to raise funds for a deposit. This includes grants, kiwi saver, family guarantees, and much more. I will ensure no stone goes unturned to find the best deposit option for you.

  7. Contact Us • 1/2 Rangitira Avenue, Takapuna, Auckland 0622 • 027 275 1555 • oliver@obmi.co.nz • https://oliverbroomfield.co.nz/

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