Mortgage & Loan Services
Talk to Smart AdvisersIn the world of property, every Kiwi’s dream is to climb the ladder – an aspiration we, at Smart Adviser, are committed to making a reality. As an NZ-owned and operated team, we offer advice that’s tailored for Kiwis, by Kiwis.
Our mortgage specialists are renowned for their independent advice, aiding clients on their journey to successful property ownership. Unlike others, we do not work on commission. We place your interests at the heart of everything we do.
Whether you’re:
- Embarking on your first home purchase
- Planning your next home or a build
- Dipping your toes into property investment
- Consolidating your debt
- Seeking to refinance your mortgage
- Looking to top up your existing mortgage
- Contemplating changing lenders, or
- Striving to clear your mortgage faster
Navigating through financial necessities can be a complex and time-consuming journey. Let us take the stress away. At Smart Adviser, we simplify the process and guide you every step of the way. Our focus? Your financial success. Let’s transform your property dreams into reality together.
MORTGAGE CALCULATOR AND FREE TOOLS
Input your numbers and click ‘Get Started Now’ to gain access to the Smart Adviser Financial Suite – a collection of tools designed to empower you to live life on your own terms, free from reliance on banks.
WE PROVIDE THE COMPLETE PACKAGE
Unlike standard mortgage brokers, we offer more than just a mortgage. We can provide an end-to-end service of planning, arranging your mortgage, and protecting you and your property from potential loss.
We think holistically
Your loan needs to work for you. That means considering your wider goals, and getting the structure right from the start. We ask the question – how does this fit with your overall financial plan or retirement plan?
We can access more options
We find the best solution for you from a wide range of options and can source loans from multiple banks and second-tier lenders.
We know what a good mortgage deal looks like
We know what kind of hurdles you’re likely to face, and can recognise when a truly good deal is on offer. There is a lot more to consider than interest rates.
We support you through the entire process
We do the heavy lifting when it comes to finding the best solution and negotiating the best deal. We make sure you understand what needs to be done every step of the way.
We can help you protect your home
You’ve worked hard for your home or property and losing it would be a serious financial set-back. Our protection and insurance services aim to keep your home and your lifestyle safe.
We work for you!
You are our client – your best interests are our best interests. Simple.
Unlock The Secrets To Home Ownership In NZ
Immerse yourself in an e-guide that equips you with all you need to know about purchasing your dream home. By downloading our FREE e-book, you’ll gain insights into crucial aspects of home-buying such as:
- Understanding your financial capacity
- Managing the deposit
- Devising a mortgage repayment strategy
- Securing pre-approval
- Navigating through the buying process
- Safeguarding your new home
This isn’t just another guide; it’s your personalized roadmap to owning a home in New Zealand. Don’t miss out on this valuable resource!
SMART ADVISOR SUCCESS STORIES
Success Story 1
Helping 2 Generations Get Ahead
A couple approached Smart Adviser with the goal of improving their financial situation and creating opportunities for their two adult daughters.
Smart Adviser conducted a comprehensive evaluation, allowing them to reorganize their income and maximize the value of their existing properties.
By taking advantage of the dynamic real estate market in New Zealand, they effectively reduced their debt, increased their equity, and minimized their mortgage.
Through their ongoing partnership with Smart Adviser, they gained access to valuable resources that empowered their daughters to achieve early homeownership success in their careers.
- Improved finances and increased opportunities for their daughters.
- Reorganized income, reduced debt, and increased equity.
- Access to valuable resources empowering their daughters’ early homeownership success.
Success Story 2
New Home Owners – Getting On The Property Ladder
A younger couple, a teacher and an engineer, approached Smart Adviser shortly after completing their studies, driven by a strong desire to establish financial stability in their lives.
They had questions about how to improve their financial situation and get ahead. Smart Adviser responded by conducting a comprehensive assessment of their income and expenses, crafting a tailored plan that aligned with their aspiration of entering the property market.
Through regular check-ins and expert guidance, they successfully achieved their goal of purchasing their first home.
They continue to maintain a close partnership with Smart Adviser, diligently saving for their future and strategically accelerating their mortgage repayment schedule.
- Achieved financial stability and entered the property market.
- Tailored plan aligned with their aspirations.
- Close partnership with Smart Adviser, diligent savings, and accelerated mortgage repayment for a secure future.
TO GET ON & CLIMB THE PROPERTY LADDER, CONTACT US NOW