Self Employed

At last a Mortgage product specifically designed to help Self Employed people into their own homes or refinance and existing one.

Many Self Employed people cannot get a Bank mortgage because either they have not been trading long enough or cannot provide the financial information the Bank requires. Up to now the only alternative was a short term Finance Company loan at over 10% interest.

This has all changed with The Mortgage Lender 'Self Employed Plus' details are below:

• Minimum trading period only 12 months (must be verified by GST registration or similar).
• NO financials are required and usually NO bank statements.
• Income declared must be within Industry Norms.
• Maximum 75% loan to value, subject to property type and location.
• Written Conditional Approvals usually within a hour.

Rates:

• Up to 60% LVR from 7.05% variable
• Up to 65% LVR from 7.15%
• Up to 70% LVR from 7.55%
• Up to 75% LVR from 8.25%

Fees:

• No upfront fees
• A Registered Valuation will be required, instructed by Lender upon Offer acceptance
• Rebateable Establishment fee. This is included in the advance and is refunded as long as the loan is not in arrears and is not repaid within three years. $2495
• Lender title insurance, discharge and admin fees apply
• A 0.5% Broker fee will apply to all Settlements, this is only paid upon successful processing and settlement of a loan arranged by The Mortgage Lender.

For more information please call 09 476 9199 or apply online here

Bank Mortgages made simple

Lowest Bank rates in 40 years. By calling us you are talking to almost all Banks with one call.

It is possible to save $10,000's in interest on your mortgage, you just have to know how.

95% Mortgages at Bank rates so if you want to buy your home with a minimal deposit you can.

There are hundreds of Bank products, you can do the searching yourself or leave it to us, this saves you time and money. Full qualified having passed the new National Certificate in Financial Services. If your current Broker isn't qualified, ask why not?

Complex Mortgages can also be arranged with Banks, it just takes the professionalism that we have to get it over the line.

Don't just take our word for it...

"I lead a very busy life so left the entire process in their hands. Really pleased with the result and I did not have to think about anything except getting on with my life. Thanks!"
Mr T, Auckland

See our other reviews too

 

Non-Bank Mortgages made simple

A call to us means speaking to almost all Lenders with one call. 0508 477324 is the number you need.

Non-Bank Lenders fall into four main catagories

1. Non-Bank but Bank funded. Sometimes a little more expensive but do the deal. 
2. Non-Conforming. No proof of income or poor credit history. Rates quite high but they reflect the risk and they do lend!
3. Finance Companies. Short term finance for all sorts of purposes. Rates start at around 9% for a first charge and 70% loan to value is about it.
4. Solicitor Funds. Similar to Finance Companies, rates over 10% and no fixed criteria.

As always it pays to ask, 0508 477324 is the number you need.

Approvals are free so you've nothing to lose... and everything to gain.

Don't just take our word for it...

"I needed to consolidate some debts and even with my credit history, Jeff helped me very quickly and easily to get the funds into my Bank."
Mr M, Auckland

 

Debt Consolidation made simple

One call to us means you are speaking to almost all Lenders with one call. 0508 477324 is the number to call.

With interest rates at an all time low and expected to hold for the foresee-able future, now is a great time reduce monthly outgoings.

We can release the equity in your property by re-financing to lower your costs, quickly and efficiently. We can tell you straight away if a re-finance is possible and what savings you can make.

We can also advise on secured loans too. (sorry but we do not do unsecured loans at all)

For a Free quotation just pick up the toll free phone 0508 477324 or apply on-line for an immediate response.

Don't just take our word for it...

"Jeff helped me out! I borrowed exactly what I needed to refinance, so I could pay off some loans and still have money left to help pay for a new car."
Mr S, Hastings

 

Lo Doc made simple

By talking to us you a speaking to all Lenders with one call.

If you are self employed and have at least 12 months behind you then you may qualify for a 'Lo Doc' Mortgage.

Lo Doc means not having to prove your income. This can include commission sales, overseas income or simply financials not being available.

Lo Doc Mortgages are not generally available from the Banks anymore so we have special arrangements in place to help out.

For an immediate 'decision in principal', just pick up the toll free phone 0508 477324 or complete the on-line form. We will provide you with the best options available... fast!

No Doc Mortgages too!

With at least a 40% deposit we can provide the finance for the rest, no references, no 'history'... no problem!

Don't just take our word for it...

"Jeff helped us buy our home - we were first time buyers, working for ourselves - we really could recommend him to anyone."
Miss S, Gulf Harbour

 

Large Loans made simple

For loans over $500,000 a Mortgage Broker saves you heaps of time and effort, we do all the work for you

We have access to funds, at Bank rates, which cater for the larger loan.

Often you will be leading a busy life with no time to waste on looking around for the best deal. We do the searching and processing for you so you can live your life, living in the property of your dreams!

For a fast free approval, simply pick up the toll free phone 0508 477324
up to 8pm or, complete the on-line form for immediate action.

We also work with your Real Estate Agent and Lawyer, giving you the time to get on with your life.

Don't just take our word for it...

"I now live in my dream home and am grateful to Jeff in helping me and my wife make the buying process very easy and hassle free."
Mr & Mrs L, Browns Bay, Auckland

 

Migrant Mortgages made simple

If you are applying from overseas or have recently arrived, contacting us means access to almost all Lenders meaning fast response and competitve products.

New Zealand has an 'open door' approach to owning property, so if you are overseas (New Zealander or Foreign National) you can still buy property here.

We have helped many Ex-Pats with their Purchase or Re-Finance and we also help non New Zealand nationals buy here too.

Simply apply on-line or call +64 9 428 5333, please check time zones first!

If you have recently arrived in New Zealand, from any country and do not have permanent residence we can still help. 0508 477324 is the number to call or apply on-line.

UK Pension?

Did you know that you can unlock a substantial part of your UK pension fund early and use it for any purpose? Call us and we'll put you in touch with a leading expert in this very specialist field 0508 477324. Please see here for a full Q & A

Don't just take our word for it...

"We recently moved to NZ and in three weeks Jeff had us in our new home - I hadn't even started work! Painless and swift, that's what I call service."
Mr & Mrs R, Queenstown