Financial Advisers That Understand Non Bank Home Loans, Commercial, Rural and Non Bank Second Mortgages
As one of the first Mortgage Broker firms in New Zealand to offer Non Bank lending financial solutions, January 1999, we also recognised the need to promote this information to the New Zealand public to let them know that their Bank Manager does not hold all the strings, there are other options. We then launched the first website dedicated totally to providing you with Non Bank Lending information to help you, when your Bank, Broker or Current Lender says NO!
Non Bank gives you more lending options if you are looking to buy your first home with a gifted deposit or co ownership home loans, home loans with bad credit, have hard to prove income, possibly self employed or asset rich and cash flow poor. Maybe you need help refinancing, debt consolidation, possibly the threat of a mortgagee sale, or for an equity release second mortgages. Did you know that there are now 40 year loan terms and also options when the Banks question your age and how long you can still work for!
With the ever changing rules on residential investment property we are pleased to still be able access 80% loans. Plus more enquiries are now being handled regarding Commercial Property and Rural or Agri Finance.
It’s all about trying to say YES rather than NO! “Non Bank Lending”, “NonBank”, “Private” or “Second Tier” simply refers to those lenders who focus on finding mortgage solutions, with less criteria than a Bank and have a greater tolerance for the hiccups or speed bumps in life, that happen to all of us. Often a Non Bank solution is a short term option prior to refinancing back to the main steam Banks such as, ANZ, ASB, HSBC, KiwiBank, Bank of New Zealand, Bank of China, TSB & Westpac. We will be happy to help you with this as well.
Our Financial Advisers deal with many Non Bank lenders who are more flexible when structuring loans or mortgages so that they fit the purpose you need them for, rather than complying with the policy of a faceless back-office credit department that you have no access to or control over. With changing regulation we are finding many Brokers or Financial Advisers, as we are now known, are being restricted on who they are allowed to deal with, so they may not have access to the best solution, rather they are only allowed to market a limited range of
Lenders from their supplier. We have deliberately chosen not to be in that space and may have two or three times the lender options of many Advisers in the market.
Whilst our Mortgage Brokers / Financial Advisers are based in Auckland, we deal with Non Bank clients & lenders all over New Zealand and have the benefit of being able to present your loan directly to the decision makers. We are then able to explain any challenges you are facing, such as gifted deposits, bad credit, missed payments, hard-to-prove income, the need for capitalised interest, rather than you trying to negotiate your own way through layers of bureaucracy.
Non Bank, where you go when your Bank says NO!
“Solving Problems with Solutions”
A MORTGAGE BROKER FIRM THAT UNDERSTANDS NON BANK LOANS & MORTGAGES
As one of the first mortgage broker firms in New Zealand to offer Non Bank lending financial solutions, we also recognised the need to promote this information to the New Zealand public to let them know that their Bank manager does not hold all the strings, there are other options. We then launched the first website dedicated totally to providing you with Non Bank information to help you, when your bank or current lender says NO! Non Bank gives you more lending options if you are looking for low deposit home loans, home loans with bad credit, have hard to prove income, if you need help refinancing, possibly due to a mortgagee sale, or for second mortgages and commercial property finance.
The term “Non Bank Lending”, “NonBank”, “Bank Alternative” or “Second Tier” simply refers to those lenders who are involved in the business of providing finance, but are not the traditional registered banks like ANZ, ASB, HSBC, Kiwibank, Bank of New Zealand, TSB & Westpac. We will be happy to help you with this as well.
Our mortgage broking firm deals with many Non Bank lenders who are more flexible when structuring loans or mortgages so that they fit the purpose you need them for, rather than complying with the policy of a faceless back-office credit department that you have no access to or control over.
Whilst our mortgage brokers are based in Auckland, we deal with Non Bank clients & lenders all over New Zealand and have the benefit of being able to present your loan direct to the decision makers. We are then able to explain any challenges you are facing, such as gifted deposits, bad credit, hard-to-prove income, and missed repayments, rather than you trying to negotiate your own way through layers of bureaucracy.
Non Bank, where you go when your Bank say no!
