SERVICES

We can offer you advice on all aspects of your home loan

Our services cater to all of your needs

Residential Home Loans for existing and First home buyers

We will help you through the process of buying your first home; dealing with the banks and the paperwork. We provide loans for owner occupied properties, investment properties and first home buyers.

Line of Credit / Revolving Credit

We can arrange a Line of Credit or revolving credit facility so that you can draw funds quickly and easily without the need to submit an application form each time you need money.

Commercial Property Loans

If you are buying a commercial property , we can help you apply for your loans up to 65% of the property’s value. We are accredited with major banks to broker business loans, term loans and asset loans.

Construction Home loans

Our team is able to arrange funding for the construction of your new home. We take the hassle out of building your dream home and manage the process together with you. A construction loan is where you buy the land first and then build on it. The cost of the build is funded through progress payments. With construction loans, most Lenders will approve up to 80% of the cost to complete (land plus cost to build.) With a large pool of lenders we have the ability to obtain approval up to 95% loan for Construction purposes. This is on a case by case scenario.

Refinances and debt consolidation

You may need to refinance your existing mortgage to take advantage of our cheaper rates or consolidate those credit cards into one debt. In addition it is much easier to make one payment per month instead of 5 or 6 repayments to different credit card and hire purchase companies.

We will also assist you to release the existing equity in your home to create accessible funds for either the purchase of an investment property (or anything else that you have your heart set on!) at cheaper rates or to complete home renovations.

No Financials or No Income verified Loans

We have access to lenders who specialise in loans secured against your home or investment Property. We arrange finance for business or investment purposes; or for the purchase of either owner occupied or investment property up to 70% of the property’s value. There is no need to provide Financial Accounts or income confirmation for these loans. We understand it can often be difficult to demonstrate income, especially when it comes from multiple sources, for example if you are both employed and running a business part time or full time. We routinely assist with Lo-doc and No-doc finance on excellent terms and without high fees.


 

CONTACT

Need more details? We are here to assist you. Contact us by phone, email or via our social media channels.

allison@richhomeloans.co.nz | 021 305070 | Facebook