Mortgage Adviser Auckland
Because you can have both …
A great mortgage …
and a great lifestyle.
We’ll contact you for a free appraisal.
Just leave us your details:
We’ll contact you for a free appraisal.
Just leave us your details:
Achieve Your Mortgage Goals In The Best Possible Way.
Creative Lending and Financial Thinking
• Practising member:
o Financial Advise New Zealand.
• Registered Financial Adviser
Providers Register:
o Registration No FSP17301.
• More than 15 years of solid training and experience with reputable New Zealand companies in the areas of:
o Mortgage Advisory
o Property Lending
• Associated courses of study:
o General Underwriting and Life Underwriting
(ANZIIF – Australia and NZ Institute of Insurance and Finance).
o Mortgage Broking
– Certificate in Financial Services – Level 5 (Strategi Institute, NZ).
Finding the right mortgage solution requires sharp financial thinking.
Life-n-loans is a Mortgage Adviser in East Auckland. Our clients benefit from our wide-ranging experience, financial expertise, and up-to-date knowledge of the home loan, banking, and financial market in New Zealand.
We’ve helped first-home buyers, well-established businesses, and many others with mortgage, financial, and lending advice.
So, whether you’re starting out wanting a mortgage or Kiwisaver advice for your first home purchase, want to re-finance, purchase an investment property, or you have been turned you down by your bank, you can trust that Life-n-loans has experience in providing the right financial advice.
It takes a call to discuss your situation and some creative thinking to pave the way to your success.
- First Home Buyers
- Kiwisaver
- Self Employed
- Bank Alternatives
- Refinancing
I’VE HELPED HUNDREDS OF MY CLIENTS AND STOPPED HUNDREDS OF THOUSANDS IN UNNECESSARY SPENDING.
Below is the link to my Disclosure Statement.
Starting out - the first home loan
Financial information for those starting out. How to use your Kiwisaver, avoiding pitfalls with your first home loan.
Find out how to pay your mortgage off faster and what to do when the bank turns you down.
Talk to us. We have easy to understand information and cover all options.
How to use your Kiwisaver for your first home purchase
Home ownership is a balance of risk and reward. The first home buyers I’ve spoken to know that all too well. With house prices (more or less consistently) on the rise over the past many years, those on the outside of home ownership see an ever-growing hurdle to enter the market.
Read how KiwiSaver can help to get you into your first home …
The first home and the first home loan - what to look for
The first home and the first home loan – what to look for
The first home may not be your dream home. See it as first step onto the property ladder. Congratulate yourself. Home ownership is a rewarding journey. Be aware that if you want to turn it into financial success then you will have to invest; time, effort and / or money. If you’re good with DIY then that places you ahead already.
Read about financial (and other) considerations for your first home purchase …
Tips to get rid of your mortgage faster
A little can go a long way. Now that you have a mortgage it’s important to understand a little about compound interest. When you save money you earn interest, not only on the original amount, but also on the interest that you’ve earned. What few understand is that this “interest on interest” grows exponentially.
It’s the same, but turned upside down, with the mortgage. The more you can pay off, the less interest you will be charged and, just as each little payment on your savings adds to the “interest on interest” so each little payment subtracts to the interest that the bank can charge.
Read about some tips and tricks of how you can save tens and possibly hundreds of thousands …
What if the bank turns you down - Bad Credit
You’ve been turned down by the bank. For some reason, you may have a black mark against your credit record. Don’t despair, you still have options and not all is lost.
Be aware that banks have to be responsible. Their ideal client is someone who has disposable income and has the will to pay back the loan. Understandably, if your credit rating is anything less than shiny, then they will be somewhat shy to lend to you.
Business and asset expansion
Find out how you can use your existing assets to grow your wealth through property investment.
Get up-to-date with the new loss-ringfencing rules.
Contact us to discuss your business loans and business finance management.
Property Investment Loans
Property Investment Loans Property investment has been a kiwi investment favorite for a long time, and there is good reason:
- There is a wealth of ready information on risk, capital growth, purchase price, geographic variation. You can decide, to a degree, how much cash, if any, will be required for your initial purchase.
- If you are in a position to purchase investment property, then you’re probably also in a position to choose your loan structure.
- There are options to manage the property. Either you can do this yourself or you can engage a property management company.
- You have control on adding value by making property improvements, or you can choose to maintain the property.
- You have control over the tenant, the rent, the location and when to divest.
Loss Ringfencing
If you own rental property then you need to know what loss ringfencing is and how your accountant can apply it.
From the 2019-20 income year new ring-fencing rules mean people cannot use rental losses to offset other income like salary and wages.
Business Loans and Finance Management
At Life-n-loans we’ve know that each one of our clients is different and that their requirements are unique. There is no “one fits all” solution and, if you’re about to go it alone, then be aware that you will potentially miss out on the wealth of industry knowledge that we have built up over years of successful business.
Financial Consolidation
Consolidate your financial position for financial peace of mind. Go full circle with a Reverse Mortgage, refinance or consolidate debts for better financial management.
We spell out all your options, so let’s have a chat.
Reverse Mortgages
A “reverse mortgage” is similar to a normal mortgage, but has been designed for people over 60 that have built up equity.
A reverse mortgage is designed to free up cash for a more comfortable lifestyle in the later years. Unlike a normal mortgage that attracts regular repayments to pay off the loan and the interest, with the reverse mortgage, the interest is added to the loan.
Refinancing
Moving your existing mortgage or loan from one lender or bank to another is called refinancing. There are a number of reasons that you may consider replacing your existing mortgage with a new loan. Competition between banks means that there is often a variance of interest rates between banks, and even a small reduction in rates can make a big difference in the amount you pay over the term of the loan.
Debt Consolidation
Debt consolidation is not only for those heading to retirement, in fact it should be considered if you’ve got more than a few loans, regardless of where you are in your financial life.
Managing a number of loans can be confusing, not only from a management aspect, but can also stand in your way if you want to start a new loan.
Our six-step process
Establish and define the relationship
Meet with the client and present the client with a copy of the disclosure statement and a scope of advice document.
Analysis and evaluation
Once the information is collected we analyse your situation using our software. Areas of concern, risk and goals and opportunities are identified.
Implementation of the recommendations
We ensure that the solution we implement is in line with the client requirements and that it is understood and agreed to by all parties.
Collect Information and determine goals
Gathering personal information such as goals, objectives, assets, liabilities, income and expenses, risk management, etc.
Develop recommendations and present
We prepare a recommendation on suitable products and present a solution tailored that addresses areas of concern and achieves objectives.
Monitor and review the recommendations
We give on-going advice that may lead to possible amendments. If the situation has changed we generate a new scope of advice.
Establish and define the relationship
Meet with the client and present the client with a copy of the disclosure statement and a scope of advice document.
Collect Information and determine goals
Gathering personal information such as goals, objectives, assets, liabilities, income and expenses, risk management, etc.
Analysis and evaluation
Once the information is collected we analyse your situation using our software. Areas of concern, risk and goals and opportunities are identified.
Develop recommendations and present
We prepare a recommendation on suitable products and present a solution tailored that addresses areas of concern and achieves objectives.
Implementation of the recommendations
We ensure that the solution we implement is in line with the client requirements and that it is understood and agreed to by all parties.
Monitor and review the recommendations
We give on-going advice that may lead to possible amendments. If the situation has changed we generate a new scope of advice.
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