Existing
Home
Owners

Are you a
homeowner?

Back in the day, the average Kiwi homeowner took out one mortgage with one bank for a 25-30 year period. Things have certainly changed and there's now more flexibility and mobility in the home loan market than there's ever been.

David knows everything you need to know if you're looking to refinance with another lender, upgrade or upsize your home, invest in property or you simply want to review your current mortgage structure.

Thinking of refinancing
your home loan?

There are any number of reasons that you may want to refinance your home loan. Perhaps you're getting a poor service from your current bank? If you’re funded by a second tier lender the time might be right to go 'mainstream'. You may want to diversify your exposure and not have all your eggs in one basket.

David can provide you with options. He can help choose a lender that will suit your financial circumstances, work out the best deals (rates and incentives) and organise the best loan structure for you.

Is it time to refix
your mortgage?

If your fixed rate is about to end or you need to change the structure of your loan to meet changing circumstances, then give David a call. He can help negotiate the best deal with your existing bank and at the same time undertake a full home loan health check to ensure your loan structure is right for you. David says, "In my experience, making the simplest tweaks to your current structure can often save you quite a lot of money over the life of a mortgage."

Loans for
investment properties

The world of property investment is rapidly changing and it is difficult to keep up with all the restrictions and bank policy changes. David can help you to:

  • Understand your borrowing capacity based on the type of investment property you want, from standard residential houses to apartments and even new builds
  • Revisit loan to value restrictions (LVR) and the difference in interest rates between owner occupied properties and rental properties
  • Restructure your loan to ensure your investment works for you (and your accountant!)