More than mortgages.
More than financial advice.
Need someone who really gets the whole financial thing and sticks with you every step of the way? Say hello to Kiwi Mortgages!
Our mortgage process
We know it's hard. That's why we make it as simple as possible.
Initial Conversation
The initial conversation is where we get to know you. Who you are, what your goals are and how we can help. By the end of this meeting you should have a clear idea of what our plan is and how we are able to assist you..
Online Fact-Find
This is where we flesh out the details from our first conversation, you will complete a Fact Find and Statement of Position and provide all the supporting documentation necessary, we will compile this into a clear loan application.
Approach Lenders
We then submit this application to the bank on your behalf and work through any issues until we have an approval. If there are any conditions on this approval, we will work with you to have them satisfied so that you can purchase unconditionally.
Structure and Rates
This is where we negotiate interest rates on your behalf, then assist you in deciding how you will structure your lending. The correct loan structure can save you thousands of dollars over the life of the loan, so we take this meeting very seriously.
Calculators
Find out how much your repayments will be with our mortgage calculators
Frequently Asked Questions
In most cases, free! If you qualify for a residential home loan with one of the main banks, our Financial Advisers will receive commission from the bank you borrow from. Those commissions vary from lender to lender, so we are fully transparent on what the bank will be paying us, when we confirm your loan structure. But rest assured, the Bank does not pass that cost on to you, in any way.
We do all the legwork for you. We take your informtion and turn it into a consice application for the banks to review. We can approach multiple banks to ensure the best outcome for your application. Once approved we can negotiate the best available rates and Cash Contribution in the market, and advise you loan structure. To put it simply, when you engage a Financial Adviser, you have someone in your corner every step of they way.
You have a chance te review your loan structure everytimeone of your loans fixed rates is expiring. This should be every year or two depending on how long you have fixed the loan. But if you have any changes coming up in your life, its always a good time to contact your adviser and talk throiugh your options.
This is the age-old question that everybody wants to know. There are a number of factors that go into a banks assesment of your borrowing power. Firstly, what can you afford to pay; our Loan Payment Calculator can help with that. Then there is the amount of deposit you have available, and your credit history. The quickest way to get an indication of borrowing power is to pick up the phone and have a chat to one of our advisers.
When you take on the responsiblity of a home loan its important that you protect yourself from unforseen circumstances that may affect your ability to cover the mortgage payments, this could be illness, injury or other events. Its really important to review all of these risks, at the time of applying for the loan. Our Insurance Advisers can walk you through this process to ensure you have the rtight cover in place for your current situation.
Our providers
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