“I love what I do and it is my passion to help people find a solution that works for them”.
With over 35 years banking and finance experience including 10 years as a Business Manager with a major bank, I can draw on a significant depth of experience in both your personal and Business lending requirements.
I really enjoy seeing people achieve their financial goals and I endeavor to build long standing relationships with my clients. You are not a number but a client that will enjoy quality ongoing service from me. My goal during my interaction with you is to simplify the home loan process, minimize the work you need to do and ensure that the service you receive is of the highest level. That means communication is regular and when I say I will meet a time frame, I do.
You will also benefit from the strong relations and respect I hold with the banks – ensuring you get great service and pricing.
I have access to home loans from a wide panel of major banks and secure lenders, and I truly understand that getting the right home finance is in your best interest. Getting your finance approved early means that you are in the best possible position to negotiate for your home, on your own terms. And while the home loan application process can seem daunting, I can simplify and guide you through the process so nothing is missed.
Most banks and lenders will require a minimum deposit of around 20% of the value of the property you are purchasing, before they will approve you for a home loan. Depending on the lender and your individual situation, you may be able to fund your deposit from a range of sources, including genuine savings, monetary gifts, inheritances, Kiwi Saver contributions and the First Home Buyers Government Subsidy. However, most lenders will require at least a portion of your deposit to come from genuine savings.
In some situations, I can access a Welcome Home Loan, which means that you require a minimum of only 10% to get you into a home. There are restrictions on the maximum purchase price and some other conditions, so it’s best for us to discuss whether this could work for you.
“When looking for our first home we were lucky enough to be introduced to Ali.We felt right away that Ali was someone who was passionate about making owning a home a reality for everybody and through her we realized our goal much sooner than we thought would be possible.Ali has a lovely down to earth personality and explains things in a way that we could understand, throughout we felt supported and secure in the process. Her years of experience in the industry was clear to see and she was always available and happy to answer any questions we had and on many occasions went above and beyond what we ever expected from a mortgage broker. We look forward to dealing with her again”
Home loan pre-approval is a great way to ensure you know how much you can afford to pay for a property before you even start looking. A written pre-approval can also give you an advantage when negotiating on a property with a vendor, as opposed to someone who has no pre-approval or finance in place. Home loan pre-approval is generally valid for about six months, and you may still need a satisfactory valuation on the property you intend to purchase before your pre-approval can progress to a full loan approval.
Property investment can be a smart wealth creation strategy, if you get it right. And that doesn’t just mean finding the right property – you need the right investment finance as well. Your investment loan package should be tailored to your investment strategy and goals. I work closely with you and your accountant to make that happen. Whether you are an experienced property investor with a big portfolio, or just starting out with your first property, I can help you get the right investment loan for your circumstances.
Refinancing your mortgage is something that takes careful consideration. The most important thing to look at is if refinancing will place you in a better financial position than you would be if you stuck with your current loan. I can go through the sums with you to show you the costs involved in changing home loans, as well as your projected costs over a set timeframe for both your current and proposed home loans. And if you decide that refinancing is the right move for you, I will help you complete all the necessary paperwork to make the change.
Debt consolidation can be a handy solution when you are struggling with repayments on several debts, such as your home loan, hire purchases, credit cards and personal loans. Debt consolidation works by combining all those debts into your home loan, which is generally the debt with the lowest interest rate. Because the interest rate is lower, and the loan term is usually longer, your monthly repayments will drop, giving you a bit of breathing space. If you don’t already have a home loan, I can still assist to consolidate your debts into a more manageable loan. I can then work with you toward your future home ownership by providing a debt reduction and savings plan.
Good business finance is invaluable when purchasing and growing your business. Business and commercial loan options vary depending on whether you are a start-up or existing business. Whether you are buying commercial property, undertaking property development, expanding your business or need some cash-flow funding, assistance from an expert commercial finance broker is invaluable.
Many self-employed borrowers need a loan that isn’t quite standard, mostly because they don’t have the full financial history required to get a regular loan. Low documentation, or low doc, loans fulfil the needs of many self-employed borrowers. You’ll still need some financial history and paperwork.
I had the privilege of working as a Business Manager for over 10 years with one of the major banks so know and understand the criteria’s and challenges that business may have when applying for lending.
Bridging LoansFinancing the move from one property to another can be quite stressful, especially if you are yet to sell your home – a bridging loan can help free up the funds that are tied up in your current property to purchase the next one. With a bridging loan, your lender will use both your current and new property as security and lend you enough to buy your new home.
While you are waiting for the sale and purchase process to be completed on both your current and new property, you make interest only repayments on the loan, or maybe even no repayments at all (referred to as capitalizing the interest). Once you have sold your old home, the proceeds go towards paying off your bridging loan. The amount left over (known as the end debt) is then transferred to a standard home loan, becoming the home loan on your new property.