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Loan Market

A mortgage adviser can help you understand your borrowing capacity and options when it comes to purchasing property. Loan Market advisers compare a panel of over 20 lenders to create a shortlist of products that suit your needs and play hardball with lenders to ensure you get a competitive rate.

Why use a mortgage adviser? There are many lenders offering hundreds of loan products - that’s why more than five out of ten Kiwis choose to work with an adviser to find their home loan. A Loan Market adviser compares a panel of lenders to present a shortlist of products that suit your needs. Whether you need guidance buying your first home, want a more competitive rate on your existing loan, are looking to grow your investment portfolio or anything in between, an adviser is by your side. And on top of that, many services offered by an adviser are free to you. They get paid by the lender you choose.

FAQs

Why use a mortgage adviser?

By choosing to work with a mortgage adviser, you can save yourself time and be sure you end up with a product that is right for you. Going directly to a bank will limit your options to the products they offer. A Loan Market adviser has access to over 20 lenders and hundreds of products. This means they are more likely to find a loan that suits your needs and offers a competitive rate. A Loan Market adviser is also by your side from start to finish. They can help you understand your borrowing power, suggest loan products, manage the application process and ensure settlement runs as smoothly as possible. And it doesn’t end there. Your adviser can also help you with other loans, including car loans, and check your loan remains competitive over time. This could mean negotiating with your current lender or finding one that is better suited as your circumstances or the market changes.

What is the process when working with a mortgage adviser?

When you meet with your Loan Market adviser, they will take time to understand your circumstances and goal. They will then calculate your borrowing power and let you know if you are eligible for any schemes or grants. Then they will show you which products are suited to your needs and take charge of application through to settlement. It will look a little like this: Discovery You answer some questions online about your circumstances and goals. Meeting Your adviser will talk through your needs, calculate your borrowing power and discuss your options. Game Plan After further in-depth research, your adviser will present you with your personalised Game Plan, providing tailored solutions and recommendations to meet your goals. Application Your adviser negotiates with your lender of choice and prepares your paperwork. Once you have signed, your adviser will do the legwork to get it approved. Approval This is the moment we live for. Getting your loan approved. Once the lender gives the nod, your adviser arranges the paperwork for you to sign. Settlement There is a lot that happens on settlement day, and your broker works closely with your lender to ensure it runs as smoothly as possible. Today, tomorrow and beyond Your adviser is by your side for life. From checking in to make sure your loan continues to be competitive to helping you find the right car loan.

Does it cost money to see a mortgage adviser?

Many services offered by a mortgage adviser are free to you*. They get paid by the lender you choose. If a service is a little more complex and fees are involved, you will be told upfront so you can make an informed decision. *Your adviser may charge a fee to cover additional time required by our team. Any fees will be discussed with you in advance so you can make an informed decision before proceeding with your application.

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The information provided on this site is on the understanding that it is for illustrative and discussion purposes only. Whilst all care and attention is taken in its preparation any party seeking to rely on its content or otherwise should make their own enquiries and research to ensure its relevance to your specific personal and business requirements and circumstances. Terms, conditions, fees and charges may apply. Normal lending criteria apply. Rates subject to change. Approved applicants only.
 

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