2016 was an outstanding year for the mortgage industry with interest rates hitting an all-time low, making it a labyrinth for New Zealanders to borrow. Constant changes to lending have been a contributing factor to why more and more people are using a mortgage adviser when it comes to purchasing real estate. You want someone who can help maximise your chances of securing the property you're after with minimal work involved. With so many different options out there, why are mortgage adviser services now more sought out than ever?
We do the leg-work
Being in the market for property can be an overwhelming experience at the best of times, and having someone do all the research, negotiation and working out the nitty-gritty of the paper work can make a world of difference. In fact, for most, that is all the difference. Having an adviser do the groundwork will both facilitate the process and save the time that most of us don’t have, these days.
Using a mortgage adviser, means having an expert who is familiar with the market and because they know what each lender looks for [and doesn’t], are in a position to give the borrower a more tailored solution to their circumstances and needs. We know the ins and outs better than anyone as we are doing this stuff on a daily basis with multiple banks and lenders.
The relationship with a mortgage adviser is a long-term one. Long after the exchange of documents and settlement, we are still there to support, answer questions or even assist with another property. Because purchasing real estate is a long-term investment, it’s important to know that there’s a trusted adviser right there, all the way.
Ultimately, a mortgage expert is there to provide unbiased advice, independent of any bank or financial institution. Our role is to educate and always have you, the customer’s, best interests first.