Why should I use a Mortgage Adviser?
Whether you are building your first home, refinancing, building or buying an investment property you may need to arrange a home loan. So you might be wondering “Why should I use a Mortgage Adviser?”
There are HUGE benefits to using a Mortgage Adviser, no matter how experienced you are. A Mortgage Adviser can guide you through the process start to finish, help arrange a mortgage solution tailored to you – saving you time money and stress. If you need more convincing here are our top 7 reasons why you should use a Mortgage Adviser…
#1: Options
If you go to the bank directly yourself – sure they can help. However they have to stick to their policy guidelines, their pricing and their own specific products. So how do you know if your bank is the right solution for you?
When you work with a Priority Mortgage Adviser we will look at several different options for you – including banks and other lenders, calculate how much you could borrow and what those repayments would look like. We will give you choices and carefully explain our recommendations to help you make an informed decision that works for you.
#2: We Are Niche
Our mortgage advisers only do home loans and personal loans. We don’t open accounts or sell credit cards so we are more specific in our advice. We live and breath home loans so we are extremely knowledgeable in the field.
#3: Competitive Pricing
As part of the process your Priority Mortgage Adviser will help negotiate pricing for you (interest rates and cash contribution). This is something that we do day in, day out. We see what pricing the other banks have on offer – and sometimes have access to special offers that are not publicly available or advertised anywhere.
Because of this we can price shop for you and utilise this to your advantage.
#4: It's A Long Term Thing
We are with you for the life of your lending. Your Mortgage Adviser will be in touch for annual reviews, help negotiate rates when your loan is up for renewal, assist with top-ups, new purchases, renovations or refinances. We are in it for the long haul!
#5: Referral Partners
We are Mortgage Advisers – so can help you with all types of home loans and we have amazing referral partners that can help you reach your financial goals.
Our Risk Adviser; Zak is available for a no-obligation consult to discuss your life insurances needs. If you want to be sure your Kiwisaver is doing the most for retirement, transfer funds from overseas, arrange house insurance or get that dream car – We have referral partners that can help.
#6: Assemble The Dream Team
Our Mortgage Advisers have strong network connections to help you establish a dream team. We work with Real Estate Agents, Lawyers, Builders, Meth Testing, Rental Agents etc. that all work together to help make things happen for you and make the process as seamless and stress free as possible.
#7: Our Services Are FREE (most of the time)
Generally, your Mortgage Adviser will receive a commission from the bank or other lender that we place your business with. If in the rare case we do need to charge a fee this will be disclosed and discussed upfront. No surprise fees here.
If you have made it this far; you are already committed. Contact us to speak to one of our Mortgage Advisers and let’s make your home ownership dreams a reality.
