In-House Mortgages
We are passionate independent financial specialists working to get the best possible outcome for you.
Fast and effective
Think about your last couple of transactions with your lender, it isn’t getting any easier. Being able to contact the right person within an acceptable timeframe is hard to come by.
In-House Mortgages is accredited by all the major banks and a large amount of non -bank lenders. We’ll deal with the lenders on your behalf via direct channels to enable you to take advantage of any opportunity quickly.
We are pro-active, in the office early and here til late. Our customer service offering is a key focal point of In-House Mortgages to ensure the best customer outcome.
What is a mortgage advisor?
A mortgage advisor is a financial intermediary that assists individuals and companies in obtaining the best possible mortgage terms and interest rate for the borrower.
They save a borrower time and effort during the application process, and potentially a lot of money over the life of the loan.
At In-House Mortgages we work with all the major banks and several non-bank lenders to ensure we find the most suitable lender and products for our clients.
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Mortgage advisors have relationships with numerous banks and non-bank lenders, which means they can shop around on your behalf to find the best deal that suits your specific financial situation and requirements.
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Mortgage advisors can guide borrowers through complex loan terms, interest rates, and government regulations. Their insights help borrowers make well-informed decisions and understand the intricacies of mortgage options.
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Engaging a mortgage advisor can save borrowers a substantial amount of time and effort. Instead of approaching multiple banks individually, an advisor streamlines the process by presenting the most suitable options, thereby expediting the loan application process.
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Mortgage advisors can negotiate with lenders on your behalf, potentially securing better interest rates and terms than an individual might be able to on their own.
What are the benefits of using a mortgage advisor over going directly to a bank?
FAQs
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Yes, mortgage advisors are highly regulated in New Zealand. They are regulated by the Financial Market Authority (FMA). New regulations for financial advice came into force on 15 March 21 which apply to Financial Advisors and is intended to improve access to quality financial advice. A key aspect is the introduction of universal standards of conduct and client care which essentially means anyone giving regulated financial advice must do so with a focus on the clients best interests, must disclose certain information and meet standards of competence which are set out in the code.
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Mortgage Advisors do not charge a direct fee for their service to their clients. Lenders pay mortgage brokers a commission based on the size of the loan.
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Mortgage advisors use specialised software to access the latest loan information across a range of lenders and match this against your individual situation and goals. They work with you to understand your requirements and goals, work out what you can afford to borrow, and find options to suit your situation. They also explain how each loan works and what it costs, including interest rates, features, and fees.
We recognised that many customers were not being given adequate service from their existing lender.
Their loans were not ‘fit for purpose’, they weren’t receiving the best interest rates in the market and they were unable to realise some fantastic opportunities because of the inability of lenders to look outside the square box and understand the potential options available.
Contact us.
Christian Johnson
Mortgage Broker and Investment Advisor
Christian@in-housemortgages.co.nz
59 High Street, Blenheim 7201