Mortgage Advice

Mortgage Advice

Most of us feel a great degree of comfort in talking to our bank or our personal banker. You feel very reassured when your bank approves your loan without too much fuss. You even start to wonder why you never made the decision to buy a bit earlier. STOP!
Take a reality check. At the end of the day, the personal banker is on a salary, has targets to meet and a number of customers to contact on a daily basis. The personal banker you deal with is not paid to provide mortgage advice that would benefit you before and after you have committed to your home loan. Let's now look at what mortgage advice the BANKER conveniently forgot to talk to you about.
3 Things your Bank will never tell you

Lending Criteria

Residential mortgages in New Zealand are available through all the trading banks and non – bank lenders. Each bank & lender has qualifying criteria that is different. There is a range of residential mortgage products available in New Zealand through these lenders. Which lender & product is the right one for you?

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Paying Off Your Mortgage Faster

Banks and other lenders will generally structure a home loan for a maximum of 25 or 30 years. This allows them to maximize the interest income they will receive from you. This also allows you to borrow the maximum given your financial situation and borrowing needs. It does not need to be this way.

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Deposit Options

Discover the full range of options available to you when putting together the deposit for your home. I will guide you through the deposit options and terms laid out by each of the banks and other lenders so you can make the best decision for you. Who knows, you might just be able to afford your first home sooner than you thought?

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Mortgage Mantra Offers Impartial Mortgage Advice

At Mortgage Mantra we have over 10 years experience in helping kiwis own their own home. We can assist you with assessing all the information available from all the major banks and lenders while helping you make the best decision for your situation.
Take a reality check. At the end of the day, the personal banker is on a salary, has targets to meet and a number of customers to contact on a daily basis. The personal banker you deal with is not paid to provide mortgage advice that would benefit you before and after you have committed to your home loan. Let's now look at what mortgage advice the BANKER conveniently forgot to talk to you about.
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    Why Mortgage Mantra

    Some mortgage brokerage services claim extensive experience in the industry at a brand level. At Mortgage Mantra, we are an owner operated boutique service with over a decade of real experience. You can be confident knowing you are getting the best service from a mortgage broker who stands by their name.

    Our Mantra

    Your solution focused sheppard to the world of lending. We have the knowledge and experience gained over the last 15 years to guide you.

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    Impartial

    We operate independently of the lender, the real estate agent, the accountant, the solicitor & other professionals.

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    Lifetime Journey

    Securing you the best home loan terms is only the beginning, which is why our services extend for the lifetime of the loan.

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    What kiwis are saying about usOur journey with our clients lasts beyond the life of their home loan. That’s why we ask them to keep us posted on how we are doing along the way.