Our Whangarei Mortgage Advisors
Reach financial freedom, faster with a trusted NZHL Mortgage Mentor on your side.
Meet our dedicated team of Mortgage Mentors
Emma Johns
Whangārei South
David Taylor
Dargaville
Prasanth Vasavan
Whangārei
David Taylor
Whangārei
Ellen Drenon
Whangārei
Ralph Correa
Whangārei South
Ralph Correa
Kerikeri
Angela Young
KerikeriWhy should you work with a Mortgage Mentor?
Your mortgage isn’t something you need to tackle alone. When you work with an NZHL Mortgage Mentor, you get more than a mortgage broker, you gain a dedicated partner who will walk beside you at every stage of your home loan journey, offering truly personalised service tailored to your needs as a home buyer.
A Mortgage Mentor takes the time to fully understand your financial position and your future financial goals. Using this insight, they create a personalised strategy designed to help you structure your home loan in a way that maximises both your income and savings. One of the smart techniques they use is called channelling. Channelling is a method designed to reduce your daily interest costs and help you pay off your mortgage faster.
But they don’t stop there. Your Mortgage Mentor offers ongoing support, checking in regularly to provide advice and coaching, always keeping your long-term goals and financial freedom front of mind.
From the very first chat, your Mortgage Mentor will take you through the process, ask a few key questions, and help you understand the next steps. It’s also the perfect opportunity to get a feel for whether we’re the right fit for you. After all, we go beyond what a typical mortgage broker offers, giving you guidance and support for the long haul, not just the loan.
Mortgage Broker FAQ’s
What is a Mortgage Mentor?
A mortgage broker aims to complete real estate transactions as a third-party intermediary between a borrower and a lender. The broker will collect information from an individual and go to multiple lenders in order to find the best potential loan for their client.
How do I find a mortgage broker?
Get referrals from your real estate agent. Your real estate agent should have a pulse on local mortgage mentors in your area and be able to recommend qualified individuals. Real estate agents make a commission after a home is sold, so they have a vested interest in recommending a good broker. Read online reviews.
Is it quicker to use a mortgage Mentor?
This is something that you could do independently, but using a mortgage broker to compare deals for you can be easier, quicker and more thorough. It’s also worth bearing in mind that they sometimes have access to deals that the public do not.
How much does it cost?
All mortgage lenders pay a mortgage broker a commission or procuration fee, typically being 0.35 per cent of the full loan size.
How long does a mortgage application take through a broker?
The average time for a mortgage to be approved is usually 2 to 6 weeks. However the mortgage application process with a mortgage broker cut this time to 2 – 4 weeks. Learn the time frames from initially speaking to a mortgage broker and getting a mortgage agreement in principle to you receiving your keys.
When should you start talking to a broker?
The short answer: as soon as you’ve got a property goal. The longer answer: whether you’re scoping out your options, have a long-distance goal in mind or you’re ready to enter the property market (like, yesterday)… chances are you’ll benefit from having a chat with a mortgage broker.
Is it okay to talk to multiple mortgage brokers?
The answer to this question is yes you can use multiple brokers to act on your behalf, but the problem is, it might not help you get the mortgage you want and, in some cases, can prevent you from getting a mortgage altogether.
How can I get a better mortgage rate?
Check-in on your budget. … Improve your credit score. … Compare several mortgage lenders. … Consider alternative mortgage options. … Buy mortgage points. … Lock your rate. … Take your time.
Do insurance brokers charge a fee NZ?
Insurance brokers in New Zealand primarily earn through two methods: either by receiving commissions from insurance companies when they place a policy for a client or by charging an agreed fee for policy placement. Some brokers might also add predetermined administrative fees.
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