Bank Mortgages made simple
Lowest Bank rates in 40 years! By calling a Mortgage Broker you are talking to almost all Banks with one call!
It is possible to save $100,000's in interest payments on your mortgage, you just have to know how.
Low Deposit Mortgages at Bank rates so if you want to buy your home with a minimal deposit.
There are hundreds of Bank products, you can do the searching yourself or leave it to us, this saves you time and money! We can advise on which Bank is best suited to you and which product best suits your needs. As NZMBA accredited mortgage brokers we always have your interest at heart and work for you!
Complex Mortgages can also be arranged with Banks, it just takes the professionalism that we have to get it over the line.
So whether it's a purchase, a re-finance or investment opportunity, we are sure we can help.
Don't just take our word for it...
 "I lead a very busy life so left the entire process in Jeff's hands. Really pleased with the result and I did not have to think about anything except getting on with my life. Thanks!"
Mr T, Auckland
Can't get a Bank Mortgages made simple
A call to a Mortgage Broker means speaking to almost all Lenders with one call! 0508 477324 is the number you need.
Non-Bank Lenders fall into four main catagories
- Non-Bank but Bank funded. Sometimes a little more expensive but do the deal. Up to 95% possible with no Lenders Mortgage Insurance added so make a good option for those with low deposit.
- Non-Conforming. No proof of income or poor credit history. Rates quite high but they reflect the risk and they do lend!
- Finance Companies. Short term finance for all sorts of purposes. Rates start at around 12% for a first charge and 60% loan to value is about it.
- Solicitor Funds. Similar to Finance Companies, rates over 10% and no fixed criteria.
As always it pays to ask the question! 0508 477324 is the number you need.
Approvals are free so you've nothing to lose... and everything to gain.
Don't just take our word for it...
 "I needed to consolidate some debts and even with my credit history, Jeff helped me very quickly and easily to get the funds into my Bank."
Mr M, Auckland
Debt Consolidation made simple
One call to a Mortgage Broker means you are speaking to almost all Lenders with one call! 0508 477324 is the number to call.
With interest rates at an all time low and expected to hold for the foresee-able future, now is a great time reduce monthly outgoings.
We can release the equity in your property by re-financing to lower your costs, quickly and efficiently. We can tell you straight away if a re-finance is possible and what savings you can make.
We can also advise on secured loans too. (sorry but we do not do unsecured loans at all)
For a Free quotation just pick up the toll free phone 0508 477324 or apply on-line for an immediate response.
Don't just take our word for it...
 "Jeff helped me out! I borrowed exactly what I needed to refinance, so I could pay off some loans and still have money left to help pay for a new car."
Mr S, Hastings
Mortgages with No Proof Of Income made simple
By talking to a Mortgage Broker you a speaking to all Lenders with one call!
If you are self employed and have at least 12 months behind you then you may qualify for a 'Lo Doc' Mortgage.
Lo Doc means not having to prove all your income. This can include commission sales, overseas income or simply financials not being available for any reason.
Lo Doc Mortgages are not generally available from the Banks anymore so we have special arrangements in place, to help out.
For an immediate 'decision in principal', just pick up the toll free phone 0508 477324 or complete the on-line form. We will provide you with the best options available... fast!
No Doc Mortgages too!
With at least a 40% deposit we can provide the finance for the rest, no references, no 'history'... no problem!
Don't just take our word for it...
 "Jeff helped us buy our home - we were first time buyers, working for ourselves - we really could recommend him to anyone."
Miss S, Gulf Harbour
Large Loans made simple
For loans over $500,000 a Mortgage Broker saves you heaps of time and effort, we do all the work for you
We have access to funds, at Bank rates, which cater for the larger loan.
Often you will be leading a busy life with no time to waste on looking around for the best deal. We do the searching and processing for you so you can live your life, living in the property of your dreams!
For a fast free approval, simply pick up the toll free phone 0508 477324 up to 8pm or, complete the on-line form for immediate action.
We also work with your Real Estate Agent and Lawyer, giving you the time to get on with your life.
Don't just take our word for it...
 "I now live in my dream home and am grateful to Jeff in helping me and my wife make the buying process very easy and hassle free."
Mr & Mrs L, Browns Bay, Auckland
Migrant Mortgages made simple
If you are applying from overseas or have recently arrived, contacting us means access to almost all Lenders meaning fast response and competitve products.
New Zealand has an 'open door' approach to owning property, so if you are overseas (New Zealander or Foreign National) you can still buy property here.
We have helped many Ex-Pats with their Purchase or Re-Finance and we also help non New Zealand nationals buy here too.
Simply apply on-line or call +64 9 428 5333, please check time zones first!
If you have recently arrived in New Zealand, from any country and do not have permanent residence we can still help. 0508 477324 is the number to call or apply on-line.
UK Pension?
Did you know that you can unlock a substantial part of your UK pension fund early and use it for any purpose? Call us and we'll put you in touch with a leading expert in this very specialist field 0508 477324. Please see here for a full Q & A
Don't just take our word for it...
 "We recently moved to NZ and in three weeks Jeff had us in our new home - I hadn't even started work! Painless and swift, that's what I call service."
Mr & Mrs R, Queenstown
At The Mortgage Lender we believe that the safest long term investment is still property. So we’ve created ‘Property Scout’ which is a ‘one stop shop’ for the Property Investor. We coordinate the finance, the property search and selection, tax advice and structures, rental services and maintenance, all under one roof. This means that you can relax knowing your investment is in safe, experienced hands.
Reasons to invest in Auckland property now!
get in before the boom!
The property market follows a cycle of peaks and troughs; with the correction that's taken place over the last 2 years, its widely acknowledged that we have reached the turning point or 'the up-swing'.....(Allan Bolland from the Reserve Bank of New Zealand commented on this in his Financial Stability report).
less properties available
There are less finance companies in the market lending money to developers; this has already reduced the number of new properties being presented to the market and will continue to strangle supply.
supply of land dwindling
They are not making anymore land; sections are getting smaller and the cost to develop land is increasing - it's an absolute certainty that land will appreciate in value in the short, mid and long term...
New Zealand's population is on the up
As a result of the global recession, less people are leaving New Zealand & more ex-pats are returning home. Migration too is still increasing putting more pressure on the rental stock.
cheap interest rates
The cost of borrowing money is still relatively low; whilst this is tipped to increase steadily over the next 12 months there are some great rates that you can lock in now on a new property.
rents are increasing
Just as important as growth in your asset value is growth on the income; with the population increasing and supply of new housing restricted, we are already seeing a rise in rental returns.
investor friendly tax laws
NZ's tax laws are the most investor-friendly in the OECD, any changes to legislation are not generally retrospective. After the Budget of 2010 Investors know exactly where they stand and for most there were no adverse changes at all.
start retirement savings now
Increased costs of living (food, petrol etc) means you will most likely need more money in your retirement and should start planning now; in fact since 2000 New Zealand's food prices have the second highest rate of increase in the OECD.
beat the increased building costs
The cost of building a home is on the increase due to the predicted increase in wages, petrol, materials, global supply and inflation.
demand for Auckland
Auckland has recently been voted the 4th most desirable city in the world to live in! This will further increase the demand for the area and attract migrants. Auckland is also approaching a critical point in population, all pointing to greater demand for rental property.
property is a long term investment
Auckland property values have more than tripled since 1992 and doubled since 2000. Despite the recent downturn, property always doubles every 9 to 11 years, especially good when the Tenant pays for most of the mortgage!
retirement plan for the aging population
Our population is ageing; In the 1980's there were 18 tax-payers for every pensioner. In 2020 it's predicted that there will be 1 tax-payer for every pensioner. Many people are starting to realise this and are turning to property as a way to fund their golden years.
other investment options scary
Many people lost money on shares and finance companies over the last 2 years - these people are turning to a more secure option such as property; this is pushing up demand.
For a safe, secure and reliable investment, property is hard to beat. We aim to make the process simple and fast to get your investment plans on track. Email Jeff Royle here with your request and he will make it happen!
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