RESIDENTIAL MORTGAGES

FIRST HOME MORTGAGES

It is often said that our home is our biggest asset. Spratt’s mortgage advisers can help you through this often confusing process. Whether you are still saving for your first home or ready to go we can help by offering advice on the following:
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  • What is the best loan type and structure for you?
  • What is the best bank for you?
  • How you can access your KiwiSaver funds & grants?
  • What is the best interest rate you can get?
  • What low deposit options are available to you?
  • What is the purchasing process?
  • What you need to know to avoid mistakes.
Key issues in getting your first home include having the minimum deposit, what options are available, and having enough debt servicing ability to get approved. Different lenders have different rules and we can help you prepare to be application ready before approaching anyone to ensure you get the best result possible.

With our mortgage team on your side, we can make the process of getting your first home mortgage easy, stress free and at the best terms possible.

“We work for you – not the bank”

WE ARE HERE TO HELP

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Whether it is buying a different home, changing lender or ways to pay off your debt faster we can assist with options that cover all of the market offerings currently. Our advice is often paid for by the lenders themselves when you take out a new loan and we are mobile to most areas. All you have to do is tell us what you need and we will advise on the best lending options available to you.

HELP WITH LENDING OPTIONS

  • Advice in changing lenders (including the pitfalls as well as potential advantages).
  • Fixed and variable rate options and their pros & cons.
  • How to best structure your mortgage.
  • How to pay down debt faster.
  • How much you could borrow.

Different lenders have different rules and services, and we can advise you on what options you have before approaching anyone to ensure you get the best result possible. We also have access to the full range of mainstream lenders and non-bank lenders to ensure you have all options covered in terms of what the market can offer you.

WHY CHOOSE SPRATT?

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