A clearer path through complex lending.
Many mortgage applications need a much wider view: several income sources, business interests, complex property transactions/entity structures, multiple properties or circumstances that do not fit a standard application or a bank algorithm.
We help clients throughout New Zealand and abroad work through the details of their New Zealand lending, with a plan grounded in their circumstances and goals.
Discuss your lending situation
When detail matters
You may be managing a mix of salary, contracting, business or rental income. Your plans may involve more than one property, a company or trust, changes in ownership, or several existing lending commitments.
We take time to understand how the pieces fit together before considering a lending approach. We can also review an application that has stalled and explain what further information or preparation may be needed.
Understand the whole position
We start with your objectives, income, commitments, ownership arrangements and timeframes. We proactively identify fundamental questions a lender is likely to ask and work through the evidence needed to answer them clearly.
Our banking and finance experience helps us organise the application and explain practical considerations. Where your plans involve accounting, legal or ownership decisions, we collaborate alongside your accountant and solicitor so the advice fits together as a holistic service - good advice can make the world of difference to your finances.
Compare the options and trade-offs
A workable lending solution needs to support more than the immediate transaction. We provide financial advice on repayments, loan terms, security arrangements, flexibility and the implications of any proposed changes.
We explain the costs, conditions and limitations of suitable options, including circumstances where taking more time or changing the plan may be the sensible next step. Lending remains subject to assessment and the relevant lender’s criteria.
How we work with you
1. Establish the priorities
Tell us what you are trying to achieve, what has been challenging and any important deadlines.
2. Build a clear application
We identify information gaps, review the supporting evidence and prepare a coherent explanation of your position for suitable lenders.
3. Coordinate the next steps
We help you understand the decision, work through any lending conditions and coordinate with the people involved. Our support continues beyond settlement as your needs change.
Not sure where your situation fits?
You do not need a finished application to start a conversation. A short outline of your circumstances and goals will help us establish how we may be able to help.