Reasons to use a mortgage broker
Lorinda Harrington and Jonathan BrantonCasey are registered financial advisers with more than 50 years’ experience between them in the finance sector.
They specialise mainly in personal mortgages to first home buyers, clients building a new home, changing house, looking to purchase a rental property, for those wanting to review a mortgage to ensure it is working the best, as well as also looking after clients’ insurance needs.
By utilising The Broker, you are able to get independent advice and to choose the financial institution that suits your needs. This includes being able to look outside the main banks for your financial needs. So if the bank says ‘‘no’’ there are other options that can be accessed.
The Broker will always look outside the square.
The Broker is also able get clients into their new business and refinance existing businesses to get the most out of their cashflow.
How does it work? The Broker deals directly with all the banks (except Kiwibank) and a leading insurance company so you don’t have to.
Are you a first home buyer? How much do you really need? Can you use your KiwiSaver and First Home Subsidy to get into your first home?
There are many options for obtaining finance for your first home.
If you want to buy an investment property but do not have 40 per cent deposit, talk to The Broker as there are options for borrowing 80 per cent of the value of the property.
Store cards, hire purchase agreements, personal loan, credit cards or even things that were interest-free but aren’t any more can all be paid off with the help of The Broker. Your mortgage can be arranged so that you can pay off faster and pay much less interest.
The Broker can arrange finance for either the purchase of a business or rearrange your finances to ensure your cashflow is working to your best advantage.
What if the worst happened and you lost your ability to work – how would your lifestyle and your family’s plans be affected? Life insurance can ensure financial security to those who mean the most to you. Even if you have a successful business, disaster can strike at any moment. The Broker can help you manage those risks – no matter how unique and complex the business.
Talk about your borrowing needs and Lorinda and Jonathan will ensure you get the right product to suit.