Home Owner

Homeowner_stock_lgAs a mortgage broker we work to structure your loan in the best way possible.

We work with a wide range of lenders both banks and non bank lenders.

We find the right solution that meets your needs.

Our sources range from:

  • Standard bank products, to
  • Asset lending

There is much more to consider then just an interest rate but what type of product fits in with your short to medium goals.

Below is a list of service and products.

  • Property Purchase - your home, holiday home or investment property.
  • Refinance - to another mortgage lender for better loan terms, interest rates, more money etc.
  • Restructure - your investment or home loan with the current lender to get better mortgage interest rates, repayment terms etc
  • Top Up - against your home for minor renovations, car replacement, credit card/HP consolidation etc. Or, against your investment property for minor renovations or chattel replacement.
  • Construction - to build a new home or investment property or for a major addition to your current home or investment property.
  • Pre-Approval - arranging mortgage finance before you purchase your home or investment property.
  • Overseas Borrowers – mortgage finance up to 70% for New Zealanders working overseas and non-NZ residents living overseas.
  • Asset lending – if you have good equity but unproven income
  • Bridging - to enable you to buy a new home or investment property now and sell your existing property later.
  • Non-Standard - for borrowers who don’t qualify through mainstream mortgage lenders i.e. self employed who have difficulty proving their income/s.
  • Mortgage Key Structure – This is a mortgage structure we have developed for home owners. Mortgages Keys enables you to repay your home loan many years earlier, saving tens of thousands of dollars.

Be Mortgage Free Fast...

The right mortgage with the right repayment structure means that you can be mortgage free faster. 9 out of 10 of our clients can do this and the interest savings can be immense.

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As you'll see in the graph above, paying just $1,500 extra per month shortened this mortgage commitment by 10 years, saving the home owners almost $419,000!

Please schedule a call or contact us to review your mortgage!

Schedule A Call With Us >>

Strategies to Increase Borrowing Potential

Lack of income and equity are the main areas that prevent investors from qualifying for further borrowing. We can suggest various strategies to help you improve weaknesses you may have in these areas, for example, by adding value to a property or investing in a high growth area.

Professional Referrals

Over the years we have built up a pool of qualified professionals (lawyers, valuers, building surveyors, etc) who we are happy to recommend to assist with any of your requirements.

Rapid Mortgage Reduction

The true cost of your loan is not just interest but also time, if we can show you how to reduce the length of your mortgage you can make significant interest savings.

There are many things to consider when choosing a lender or loan product to purchase your home.

Many people put all their focus on looking for their home and are relieved when they get a loan approved.

This is your biggest debt you will ever have and there are many ways to manage your loan. Some may allow you to rapidly reduce your mortgage and make huge savings.

We work with our clients to provide the best loan structure allowing the client total flexibility and control to reduce the mortgage more effectively.

 To start the process, please schedule a quick Strategy Session with us today!

Beryl was extremely helpful! She worked out a plan of short term goals for me to achieve and gave me a better understanding of my finances. I came out of the consultation happy and very confident.

James

5.0
2016-07-26T03:02:08+00:00

James

Beryl was extremely helpful! She worked out a plan of short term goals for me to achieve and gave me a better understanding of my finances. I came out of the consultation happy and very confident.
During our first year of mortgage repayments we have been able to knock $30,000 of principle loan off our mortgage. This was possible because of the loan structure that was set up for us by Beryl. She clearly explained to us the best structure to start repaying our loan in the most cost effective way, based on our situation. If we had gone with a conventional bank set-up (which was the only way we know of before we met with Beryl) we would not be in the solid position we are now in with our mortgage. Her help and guidance has been exceptional.”

Anon

5.0
2016-07-20T16:25:17+00:00

Anon

During our first year of mortgage repayments we have been able to knock $30,000 of principle loan off our mortgage. This was possible because of the loan structure that was set up for us by Beryl. She clearly explained to us the best structure to start repaying our loan in the most cost effective way, based on our situation. If we had gone with a conventional bank set-up (which was the only way we know of before we met with Beryl) we would not be in the solid position we are now in with our mortgage. Her help and guidance has been exceptional.”
I have found Bricks and Mortgages act in a professional manner, are quick to take direction and come up with the results, I have purchased 3 properties with the help of Bricks and Mortgages, they are a major part of my advisory team of professionals. Beryl and David bring a wealth of knowledge in the area of finance structures.

Jeremy, Paraparaumu

5.0
2016-07-20T16:24:48+00:00

Jeremy, Paraparaumu

I have found Bricks and Mortgages act in a professional manner, are quick to take direction and come up with the results, I have purchased 3 properties with the help of Bricks and Mortgages, they are a major part of my advisory team of professionals. Beryl and David bring a wealth of knowledge in the area of finance structures.
We were referred to a mortgage broker who just happened to be an experienced property investor as well… Beryl Colley.
5.0
2016-07-20T16:22:48+00:00
We were referred to a mortgage broker who just happened to be an experienced property investor as well… Beryl Colley.
On behalf of Ina and my family, I would like to thank Beryl and David, Tania and Sarah for all the help in setting up our finance Its the best experience I ever had.

Keni, Wellington

5.0
2016-07-20T16:22:15+00:00

Keni, Wellington

On behalf of Ina and my family, I would like to thank Beryl and David, Tania and Sarah for all the help in setting up our finance Its the best experience I ever had.
Before we met Beryl we thought of the possibility of obtaining one rental property. But upon meeting her she inspired us to think outside the circle. Now 18 months later we have a substantial portfolio, far bigger than we ever thought possible.

Sarah

5.0
2016-07-20T04:38:48+00:00

Sarah

Before we met Beryl we thought of the possibility of obtaining one rental property. But upon meeting her she inspired us to think outside the circle. Now 18 months later we have a substantial portfolio, far bigger than we ever thought possible.
Beryl Colley works very hard for her clients and goes the extra mile and never gives up until she gets a loan deal for her clients.

David Mckillop

5.0
2016-07-20T04:38:25+00:00

David Mckillop

Beryl Colley works very hard for her clients and goes the extra mile and never gives up until she gets a loan deal for her clients.
We have been working with Beryl and the team at Bricks and Mortgages to get finance to buy our first investment property. They have been great to work with and have helped with any issues or questions we have had .It has made buying our first investment property an enjoyable journey .We are looking forward to working together again.

Nichola and Duncan , Pahiatua.

5.0
2016-07-20T16:24:23+00:00

Nichola and Duncan , Pahiatua.

We have been working with Beryl and the team at Bricks and Mortgages to get finance to buy our first investment property. They have been great to work with and have helped with any issues or questions we have had .It has made buying our first investment property an enjoyable journey .We are looking forward to working together again.
5.0
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