Buying your first home is a life-changing decision. This makes it both exciting and a bit over whelming. There are so many things you need to consider apart from finding the right house.
For instance, you need to find out how much you can borrow, what type of home loan suits you, what kind of property you can purchase and how much the total cost will be. The list may seem never ending and a bit overwhelming for first-time home buyers, which is why NZ Mortgage Brokers Ltd is here to help you with the home-buying process!
Have interest rates fallen? Or do you expect them to go up? Has your credit score improved enough so that you might be eligible for a lower-rate mortgage? Would you like to switch into a different type of mortgage? Now that the bank has your business are they no longer giving you the service you deserve?
Debt consolidation can be a smart way to lower your monthly repayments by combining what you owe on credit cards, personal loans and your home loan under a new and better home loan rate.
Pays a lump-sum and/or a monthly tax-free income in the event a life insured passes away or is diagnosed with a terminal illness. Designed to leave family members or loved ones with a debt free home, an on-going household income to cover running costs such as monthly bills and education for the children.
Life insurance gives you options and time to make a decision about staying in the family home, going back to work or staying at home to look after the children in the event of losing a spouse.
