Purchasing your first home might be one of the most significant financial decisions you make in your life – and one of the most challenging.
But don’t worry. Our mortgage brokers are here to help. The Legendary Mortgages & Insurances team will offer you tailored, personalised guidance to accessing the best loans and funding options for your needs.
We can even assist you with accessing schemes such as Kāianga Ora’s First Home Grant or First Home Loans, which only require you to pay 5% of your home’s purchase price as a deposit instead of the more common 20%.
Our team is here to work closely with you to turn your dreams of homeownership into a reality.
Purchasing an investment property can be an excellent way to ensure a stable income stream for retirement, to defend against possible market falls or simply bring in extra cash. Whatever your reasons, our financial advisers can help you explore the options available to you for investment property mortgages. These include identifying the best terms, interest rates and structures for your needs, property and portfolio. Do you know the value of your current property? Review your current financial position you never know how you can continue adding to your portfolio?
Making a savvy switch could see you potentially save hundreds, if not thousands, of dollars over the lifetime of your loan. You may even be able to benefit from special offers or features offered by lenders to new customers. If you are unhappy with the service you’ve been receiving from your current lender, are looking to pay off your loan faster or would like to take advantage of lower interest rates, ability to borrow more , refinancing your mortgage may be an option worth pursuing. The Legendary Mortgages & Insurances team can advise you on whether refinancing your home loan is an avenue worth pursuing and suggest the best options for your circumstances Talk to us about getting the right structure in place or even getting an investment property?
Sometimes, necessity forces us to take out loans in less-than-ideal circumstances. Other times, a loan that may have originally been working well for us might no longer be as effective as it once was.
When was the last time you checked if your loan structure is best suited to your current needs? Having your loan structured to your situation is crucial and can have a significant financial impact. Whatever your needs, we can help you identify the best restructuring and refinancing options for your situation.
Sometimes a mortgage alone is not enough to cover your requirements for a new property. For example, if you’ve bought land and need to build on it or have purchased an older property that you want to expand or renovate, a construction loan could be right for you. Our mortgage brokers and financial advisers can suggest the best options to fund your building process. We can also help with development finance if you are wanting to build a few houses on a property.
Life is unpredictable. Sometimes, financial earthquakes can happen that can shake our savings and burn large holes in our bank accounts. If you are in a situation where you find yourself needing extra funds, whether it’s to repair your car, fix a broken appliance or cover an emergency bill, the Legendary Mortgages & Insurances team can help you out. We can top up your home loan, decrease your rate or help out in a number of different ways so that you can still make necessary purchases.
Have you been looking for general advice on planning for retirement, getting the most out of your existing investments or switching to a better KiwiSaver scheme? Our financial advisers are here for you. With our comprehensive services, we can help ensure that you save on interest, grow your wealth and say goodbye to monetary concerns once you hit your golden years. For more information on our advisory, mortgage or insurance solutions, please reach out to the Legendary Mortgages & Insurances team at 021 270 6617.