Non Bank solutions when your bank says no!
Non Bank solutions when your bank says no, including low deposit, bad credit, self-employed income or complex income.
Non Bank lenders can help with low deposit home loans with just a 10% deposit. Low deposit home loans give you the opportunity to live in your own home, despite the new Reserve Bank rules which continue to restrict home ownership with less than a 20% deposit on home loans in NZ. A good employment record and credit history always assist with lenders, but non bank lenders are often more open minded and understand your personal circumstances better.
We also specialise in Non Bank financing for spec builds, 80% rental investments or those wanting to apply for a bad credit home loan. Refinancing and debt consolidation are a common request, also clients needing top ups and bridging finance. Has your bank said no to your application? We work with Non Bank lenders that assess each home loan proposal on its merits, not pre determined lending criteria.
If you have a low mortgage deposit, or circumstances that do not work for your bank, it costs nothing to chat to us. If you are not getting the answers you want for your home loan, because of a low deposit, insufficient savings, part-gifted deposit or too much short term debt, then contact us for a second opinion.