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GET ON THE PROPERTY LADDER QUICKER WITH ONE OF NEW ZEALAND'S LEADING MORTGAGE BROKERS.

FREE E-BOOK DOWNLOAD - FIRST HOME BUYERS GUIDE

SAVE TIME AND REDUCE STRESS WITH A MORTGAGE BROKER

WHY USE A MORTGAGE BROKER?


Get the legwork of finding a mortgage provider done for you, so you have more time to find the right house. Broker's can source finance from a range of lenders so you get the best deal and will provide unbiased advice.
 

WHY USE A BROKER? >

 

HOW TO STRUCTURE
YOUR LOAN
 


In New Zealand there are four main facilities available from lenders, interest only loans, table loans, principal reducing loans and revolving credit.  Which to choose will depend on your financial circumstances and commitments.

 
UNDERSTAND LOAN STRUCTURE >
 

HOW MUCH DEPOSIT
WILL I NEED?

Banks normally like to see genuine savings as the deposit and are generally are comfortable to lend to 80% of a standard residential property’s value.

 

FIND OUT MORE >

REDUCE YOUR TO DO LIST TODAY.
USE A MORTGAGE BROKER TO SECURE YOUR FIRST HOME LOAN.

 
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HELPING YOU UNDERSTAND WHAT BANKS NEED

WHAT BANKS LOOK AT - THE 5 C's


When lending, banks refer to the cannons of lending, or the 5 C's; character,  capacity to repay, collateral, conditions and capital..

THE 5 C's IN DETAIL ›
 
WHAT BANKS NEED TO ASSESS AN APPLICATION

Banks require several pieces of core information, including a signed loan application, evidence of incomes, copies of transactional statements and more.

WHAT BANKS REQUIRE ›
 
PROPERTY TYPES MATTER

Banks will generally lend up to 80% comfortably for a standard residential property.  Examples of non-standard properties include apartments under 40m2, serviced apartments and leasehold property.

MORE NON-STANDARD PROPERTY TYPES ›

SPEAK TO OUR FRIENDLY TEAM OF BROKER'S TODAY.  CALL (09) 486 4719

 
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KRIS HAS PROVIDED US WITH OUTSTANDING SERVICE AS OUR
MORTGAGE BROKER.

Tony Fraser-Jones, Exodus Property
OUR TRUSTED BANKING AND INSURANCE NETWORK
 
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GET IN TOUCH FOR FREE, NO-OBLIGATION ADVICE ON YOUR NEXT INVESTMENT

“ *As a rule, we advise that you contact us as early as possibly to secure the most suitable time for your consultation.
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CONTACT US

Kris Pedersen Mortgages Limited
 
+64 9 486 4719
+64 9 486 4711 (FAX)
info@krispedersen.co.nz

Skype: Kris_Pedersen    
Takapuna Office
 
388 Lake Road
Takapuna
Auckland 0622
Newmarket Office
 
Level 6
135 Broadway
Newmarket
Auckland 1023
Postal Address
 
PO Box 33650
Takapuna
Auckland 0740