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About Us
Kiwi Mortgages
At Kiwi Mortgages, we can make the process of getting your financial services easy, stress free and at the best terms possible. With our mortgage advisor team, we work with all the banks and mortgage lenders so can help you secure the best mortgage rates no matter who you choose to bank with.
Whether you are a first time home buyer, want to refinance mortgage, and restructure home loan interest rates, or you just want to consult with the mortgage broker, we are here to help you.
We are based in Auckland but look after customers from all over New Zealand.
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Mortgage Services
Are you planning on buying your first home? Not sure where to start or if you can get a loan yet? What are the things you need to be aware of, before you get started on this journey? Low deposit? Wondering what assistance is available from the Government for first Home Buyers? You could be closer to getting into your first home than you think.
Thinking of buying an investment property? Unsure how to use your existing equity to buy a rental property? What are the factors to be considered before you take a plunge? What are the deposit requirements for investment property? Whether to consider a newly built property for investment or an existing one? Complex decision – questions galore.
Wondering if you have the right loan structure in place? Is it possible to structure your loans better, which may potentially help repay your loans faster & quicker? Fixed or variable? Or a combination of both? What is revolving credit facility? What loan term to go for? Has your personal financial situation changed for better or hopefully not, but for worse? Are you struggling to meet your loan repayments? Restructure of Mortgage Loans is restructuring of the original contract which had been agreed by the lender and a borrower initially – it may include new interest rates and revised mortgage terms. Restructuring your mortgage requires detailed and careful analysis.
Whilst we do not advocatenot being loyal to your bank but in today’s complex world, change is the only constant. When your personal financial position changes, it might trigger a need to review your loans and their structure – you need to keep a close eye on your lending portfolio and sometimes, refinancing to another lender may be in your best interest. There could be several reasons to refinance–lower interest rate, cash back contributions from banks, more suitable loan terms, lowering your repayments, debt consolidation, leveraging your equity to buy a business, avoid mortgagee sale…… whatever it is, it requires a detailed analysis. Whether to consider this option or how to achieve this?
More and more kiwis are now considering this option – whether it is building a minor dwelling unit on your house, sub-dividing for constructing one or more rental properties or a full blown property development project. Construction loans are more complex transactions and can be overwhelming in many cases – they have various aspects that need to be taken into consideration. The assessment criterion of banks is different for construction loans. In most cases, the construction loans are not drawn down in one lot but are progressively drawn. The whole process can be complex and requires professional help.
Kiwi Mortgages - Mortgages Brokers Manukau Auckland
What our clients say
We work with most banks, NON-BANK LENDERS in Auckland & around the country.
