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Non-bank lenders are financial institutions that provide loans without holding a banking licence from the Reserve Bank of New Zealand. While they’re sometimes referred to as “second-tier” lenders, this terminology actually undervalues the significant role they play in the lending space.
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Deciding whether to refix or refinance your mortgage can seem like a daunting task, especially when your fixed interest rate is about to
expire.
The decision will largely depend on your current financial circumstances, the prevailing market conditions, and the potential advantages of
switching lenders.
When it comes to home loans, not all banks view and assess an application in the same way. They all have varying policies and criteria. Things like self-employed income, overseas income, variable (bonus, commission etc.) income, or rental income and multi ownership structures may be treated differently, directly affecting the amount you can borrow.
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Attending an auction can be an overwhelming experience.
With so much pressure to make the right decisions, it's easy to get caught up in the excitement and lose sight of your goals.