Mortgage Archives | Insurance & Mortgage Advisers | Insure Limited

New Home Purchase

Simone — Thu, 10 Sep 2020 04:38:26 +0000

Whether you are looking to purchase a new owner-occupied home, an investment property or a holiday home, getting the structure right, first time, can save you a lot of time and money in the long run.

Banks change their rules and requirements constantly so having someone who across these changes with all the banks can make your experience much easier and smoother.

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Asset Finance

Simone — Thu, 10 Sep 2020 04:26:49 +0000

Looking to buy a boat, a tractor, a car or just build a small garden shed for your backyard?

Chat to us about your options for competitive finance options – we have a range of lenders where we can get the best deal for you, not the best deal for “them”.

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Personal Lending

Simone — Thu, 10 Sep 2020 04:25:15 +0000

Having substantial consumer debt, or debts spread amongst multiple providers can cause lenders to look unfavourably on your application, which may delay you in getting into your new home. We can assist with consolidating these debts to be with a single provider and work on a plan to assist you with getting into a stronger, more desirable financial position.

CONTACT US TODAY FOR A NO-OBLIGATION CHAT

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Refinancing

Simone — Thu, 10 Sep 2020 04:22:35 +0000

Refinancing is the process of transferring your home loan from one bank to another. There are several reasons you might want to consider refinancing your home loan, including:

locking in a more competitive interest rate
taking advantage of another bank’s products or services
reviewing your loan’s structure
being able to borrow a larger amount

The best time to think about refinancing is toward the end of your current loan’s term, or when your financial circumstances have changed (increase in income, looking to borrow more to buy a new home or investments).

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KiwiSaver Eligible First Home Buyers

Simone — Thu, 10 Sep 2020 04:03:59 +0000

If you have been in, and contributing, to KiwiSaver for a minimum of 3 years, you may be eligible to use the funds in your investment towards your deposit for your home. The main purpose of the KiwiSaver first home buyers withdrawal is for first home buyers. However, you may also be eligible to access funds under the “second chance home buyers” exception if it is not your first home.

First Home Buyers may also be eligible for the government grant which can add a further $1,000 per year you have been invested – up to a maximum of $5,000 for the purchase of an existing home, or $2,000 per year you’ve been invested – up to a maximum of $10,000 for new build/construction properties.

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First Home Buyers

Simone — Thu, 10 Sep 2020 03:38:58 +0000

Purchasing your first home is an incredibly exciting time, but it can also be highly stressful as there are so many variables to consider – what ownership structure will suit you best? Have you saved enough? Do you earn enough? Is it better to build or to buy existing?

Having an expert to be with you through each step of the process is invaluable and means that they can focus on the variables and you get to focus on the fun part – finding your perfect first home.

CONTACT US TODAY FOR A NO-OBLIGATION CHAT

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