MORTGAGES

Purchasing any home can be daunting whether it is your first home or not. We can look to source the best loan for your requirements, this may be with your current bank or not as history is no longer a big factor as it was many years ago. We will form a long term relationship with you. This will save you having to explain your financial background to another person and reduce the impact of staff changes at lenders.

First Homes

We understand buying your first home can be both exhilarating and stressful. We aim to take the stress out by guiding you through the borrowing process and the application process for your KiwiSaver First Home Withdrawal and Homestart Grant.

We will look to obtain a pre-approval for you, so you know where you stand. We will be there with you along the home buying journey and beyond.

Some helpful links:

KiwiSaver Withdrawal for First Home Buyers https://www.hnzc.co.nz/ways-we-can-help-you-to-own-a-home/kiwisaver-first-home-withdrawal/

House New Zealand Homestart Grant https://www.hnzc.co.nz/ways-we-can-help-you-to-own-a-home/kiwisaver-homestart-grant/

Upgrading/Downgrading

Is your family expanding, do you need more room or is it time to downsize?

If you are considering selling, please call so we can arrange a time to review your current financial position and future requirements. We can seek a pre-approval for you so you know what your limits will be. This will take the stress out of trying to obtain finance at the last minute. We will assist you through this process and beyond.

Building

Are you looking to build your dream home? Building can be a great way to get what you want. We have a large amount of experience with clients building homes whether it be via fixed price contracts or you managing it yourself. We can assist you through the finance process for this and beyond.

Rental Properties

Purchasing rental properties has been a very popular way for Kiwis to increase their asset base and look to provide an income in retirement.
We are very experienced in guiding clients through financing the purchase of rental properties and how to structure the debt.

Holiday Homes
Owning a holiday home has been a favourite of Kiwi’s. If you are considering purchasing a holiday home, please call to arrange a review of your finances so we can assist with making your dream a reality.

Business Finance
Small to medium business is key to New Zealand’s prosperity. If you are starting out, purchasing a business or wanting to grow please call to arrange a time to meet so we can complete a review of your requirements. We will then guide you through the finance process.

Commercial Properties

Are you looking to purchase a commercial property for your business or as an investment?
Commercial property lending can be more complex than purchasing a residential property. We are experienced in commercial property lending. Please give us a call to arrange a time to complete a review of your requirements. We will then guide you through the finance process.

Partners:
We work with several lenders in order to obtain the best finance for you.

Some of these include:

Applications are subject to meeting the lenders criteria, terms and conditions.

INSURANCES

Personal Risk Insurance is very important. Cash is king!! What happens if you have an accident or incur an illness that prevents you from working? What would happen if you become permanently disabled or pass away? Where would this leave your family?

You work hard to grow your asset base and it can be taken away very quickly by unfortunate circumstances. Most people will be able to recall family or friends or colleagues who have been affected by misfortune and some will also know of those that have suffered financial stress as a result.

There are various insurance products that reduce the financial stress from the effects of ill health or injury. These allow you to focus on recovery or worst case enjoy the time left with your loved ones.

Insurance covers available include:

Life Insurance

Provides a lump sum payment if you die or are diagnosed with a terminal illness and likely to pass away within 12 months.

The funds from an insurance claim can be used to repay debt or replace income when you are not around.

Trauma Insurance
Trauma Cover insurance can pay a lump sum if you are diagnosed with certain medical conditions, for example some forms of cancer or if you have a stroke or a heart attack or other major illnesses.

Total & Permanent Disability
Total & Permanent Disability Cover insurance can provide a lump sum payment should you completely lose your ability to ever work again (or carry on your normal daily living tasks if you are not employed).

Mortgage Repayment Cover

Mortgage Repayment Cover provides a financial safety net should you be disabled as a result of sickness or injury, and unable to meet your mortgage repayments. The benefit is designed to cover mortgage repayments on your behalf during treatment and recovery. Some Mortgage Repayment Cover benefits are not offset from other forms of income.

Income Cover

Income Cover provides a financial safety net should you be disabled as a result of sickness or injury, and unable to earn your regular income. The monthly benefit is designed to replace a significant portion of lost income to help maintain your usual lifestyle during treatment and recovery. Some Income Cover benefits are offset by other forms of income.

Medical Cover
Private Medical Cover provides funding to enable you to have private medical treatment whenever you require more immediate access or a broader range of treatment options that are not available to you through the public health system.

Waiver of Premium

Waiver of Premium Cover provides a financial safety net should you be disabled as a result of sickness or injury, and unable to earn your regular income. The monthly benefit is designed to relieve you of the financial responsibility of paying your policy premium during treatment and recovery.

Partners:
We work with several insurers in order to obtain the right insurance for you.

Some of these include:

Insurance is subject to an application being accepted by an insurer and if a policy is issued their terms and conditions being agreed to.