NonBank

HOME LOANS, SAYING “YES” RATHER THAN “NO”

NON BANK HOME LOAN OPTIONS, WHEN YOUR BANK SAYS NO!

Non Bank Home Loans for existing homes or new builds, bridging finance, helping you upsize or downsize, maybe you have a gifted deposit, are buying at a reduced price from family, have had a credit issue or the Bank is concerned about how long you will continue to work for?  Our solutions, when your Bank says NO, have helped so many people into homes even if you are new to NZ, self-employed, buying a home with friends or family or need a quick fix second mortgage to help with your deposit, or sometimes you think the Banks just make it all too complicated. 

With Covid, inflation and new lending criteria first home buyers are struggling to get onto the property ladder. You may have been told to save for a year but now you no longer qualify, or the loan amount has reduced, and the property price increased! Many clients thought they had a pre-approval but it was cancelled. Whilst a good deposit and employment and credit history help, life is not always like that, so when your Bank or friends say “you need to see a Non Bank broker”, that is us.  

We also specialise in Non Bank financing for spec builds, or those wanting to buy a home that needs work, water issues, plaster or earthquake damage. Refinancing and debt consolidation are also a common request, and clients needing top ups and bridging finance. 

We are always looking for new ways to say “Yes” rather than “No”. 

Has your Bank or Adviser said no to your lending application? We work with Non Bank lenders that assess each loan proposal on its merits, Home Loans, Rentals, Refinancing, Debt Consolidation. 

Have you existing equity in a home, a gifted deposit, you are buying below market value, maybe “The Bank of Mum and Dad” are helping, or circumstances that just do not seem to work for your Bank, it costs nothing to chat with us. 

You may be getting told the property needs too much work, we don’t lend in that location, your age or employment concerns us, your savings history is not great or you drink too many coffees, then contact us for a second opinion. 

If you are not a home owner yet, but still need finance, we are now able to help New Zealanders with their personal and vehicle finance needs. We have partnered with One Partner to help you with Personal Loans & Car Loans. Apply online now! 

Also, if you are looking for Business finance, $5k to $500k, we have partnered with Prospa, it can take only 10 minutes to apply and funds can be in your account within 24 hours, Apply online now 

NON BANK HOME LOAN OPTIONS, WHEN YOUR BANK SAYS NO!

Non Bank lending, Home Loans, Rental Investments and Personal Loan solutions when your Bank says NO, including low deposit, shared or co-ownership, bad credit, self-employed income or complex incomes.

Non Bank lenders can help with low deposit home loans, this can even be with a deposit less than 20%. Low deposit home loans give you the opportunity to live in your own home, despite the new post Covid-19 Bank criteria, which continues to limit support for first home buyers with low deposits. 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 also a common request, also clients needing top ups and bridging finance.

Another exciting new opportunity is co-ownership from as little as a 5% deposit! Shared or co-ownership is the purchasing of a first home between buyers and a business partner, sometimes requiring as little as 5% deposit from buyers.

We always looking for new ways to say “Yes” rather than “No”.

The 80% rental investment option can be on a stand alone basis or if you choose to refinance both your home loan and a rental rates can be under 3%! Terms and conditions are stricter for such a low rate, but it is proving very attractive to investors who wish to use equity in their own homes.

Has your Bank or Broker said no to your lending application? We work with Non Bank lenders that assess each loan proposal on its merits, Home Loans, Rentals, Refinancing, Debt Consolidation and now we can also offer online applications for Personal Loans.

If you have a low mortgage deposit, require 80% finance on a rental investment, or circumstances that just do not seem to work for your Bank, it costs nothing to chat with 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.

If you are not a home owner yet, we are now able to help New Zealanders with their personal and vehicle finance needs. We have partnered with One Partner to refer you to for help with Personal Loans for Cars, Cash & Choices. Apply online now!