Home lendingmade clearer
Buying or refinancing property can involve many moving parts.
There are lending criteria to understand, documents to prepare and decisions to make about deposits, loan structures, repayments and lenders.
Adrian helps clients understand the process, consider the available options and move forward with confidence.
Through Finance HQ, he has access to more than 30 home loan providers, including major banks, non-bank lenders and specialist financiers.
First-home buyers
Buying your first home is exciting, but it can also feel overwhelming. Adrian can help you understand:
- How much you may be able to borrow
- The deposit you may need
- How KiwiSaver may be used
- Whether family or whānau may be able to help
- What lenders look for in account conduct
- How existing debts may affect your application
- What costs need to be allowed for
- What documents you will need
- How pre-approval and settlement work
There are no silly questions. Adrian takes the time to explain each stage and help you prepare before an application is submitted.
Buying and selling
Moving from one property to another can create timing and finance challenges. Adrian can help you consider:
- Pre-approval for your next purchase
- Whether to buy or sell first
- Deposit requirements
- Bridging finance
- Temporary repayment commitments
- Loan structures for the new property
- Timing between sale and settlement dates
Refinancing
There are many reasons to review your home lending. You may want to:
- Reduce your lending costs
- Restructure repayments
- Consolidate debts
- Access equity
- Renovate your home
- Move from one lender to another
- Review fixed and floating loan arrangements
- Improve flexibility
Adrian can assess your existing lending and help determine whether changing the structure or lender is likely to be worthwhile.
Self-employed borrowers
Self-employed people can sometimes find that standard lending criteria do not reflect the strength of their current position.
Income may fluctuate, the business may be growing quickly or two full years of financial statements may not yet be available.
Adrian understands both business and personal finance. He can work with you and your accountant to explain your income, trading history and wider financial circumstances clearly.
Where a mainstream bank is not suitable, he can also explore non-bank and specialist lender options.
Property investors
Property investors often need lending that balances cost, flexibility and the ability to act when opportunities arise. Adrian can assist with:
- Investment property purchases
- Reviewing existing lending
- Loan structuring
- Accessing equity
- Refinancing
- Bridging finance
- Construction lending
- Non-bank options
Tax and ownership decisions should be discussed with your accountant and solicitor. Adrian can work alongside them to ensure the lending structure supports the wider plan.
Non-bank lending
A non-bank lender may be appropriate when the application does not fit standard bank criteria. This may include situations involving:
- Less than two years of business financial statements
- Strong current income but limited trading history
- Commission-based or seasonal income
- Property development
- Bridging finance
- Credit history issues
- Unusual property types
- Complex income structures
Non-bank lending can provide greater flexibility, but it may involve higher interest rates and fees. Adrian will explain the differences and help you consider whether it is appropriate for your circumstances.
One adviser.From start to finish.
For many home loan applications, the lender pays the adviser’s commission, meaning there may be no direct adviser fee. Any applicable fees will be explained before you proceed.
Planning your next property move?
Start with a conversation about where you are now and what you are hoping to achieve.
Adrian manages the lending process with you, including:
Adrian starts by understanding where you are now, what you’re hoping to achieve and what matters most to you.
Together, you’ll look at your income, deposit, existing commitments and circumstances to understand what may be achievable.
Adrian compares suitable options across a broad range of banks and specialist lenders to find the right fit for your circumstances.
Adrian helps gather the information required and prepares your application so your position is presented clearly to the lender.
Adrian deals directly with lenders, answering questions and keeping your application moving through the approval process.
Adrian talks you through the lending offer and conditions so you understand what they mean before you proceed.
Adrian helps coordinate the paperwork between you, your lender, solicitor and other parties involved in the purchase.
From approval through to settlement, Adrian stays involved to help make sure everything comes together when it needs to.