Let’s Find the Right Mortgage Solution for You
Whatever your plans, we’re here to help you make confident financial decisions. Whether you’re buying your first home, refinancing, investing in property or looking for business finance, let’s explore what’s possible together.
Ready to explore your options? Take the first step today.
Complete the form below to book your no-obligation consultation with Mortgage Pundit. We’ll listen to your needs, explain your options and help you identify the next steps — with no pressure to proceed.
Visit Us
Penrose Office: 440 Church Street East, Penrose, Auckland 1061
Newmarket Office: 25B Broadway, Newmarket, Auckland 1023
Mail Us
info@mortgagepundit.co.nz
Call Us
Have a Question?
Whether you’re buying your first home, investing in property, or looking for business lending or cash-flow solutions, we’re here to help.
Call us: 0800 PUNDIT (0800 786 348) or 0211 898 652
Email: info@mortgagepundit.co.nz
Frequently Asked Questions
Is owning a house better than renting?
Becoming a homeowner from renter is a big step, and one you should feel confident about this decision. We’ll walk you through the benefits of renting and buying to understand if it is the right time for you to make the move.
Do I have enough deposit/Equity?
Key mantra is: “More you put, less you borrow” It certainly helps to have a larger down payment or deposit, the amount you can borrow will depend on what you can afford. Certainly a 20% deposit under current LVR thresholds can help you to secure good interest rates and other favorable loan options. We’ll help you to understand realistic scenario.
Is my Credit rating important?
Your credit score affects your probability of getting a mortgage or a loan however, the lenders also consider other factors as well. Generally speaking, the higher your credit score, the more likely it is that you’ll qualify to secure funding from a risk and creditworthiness perspective which is one of aspects of a loan application. You may still be able to qualify for a home loan with a low credit score, but it will be subject to lender decision. There’s no harm in talking, get in touch with us today.
How important is my account conduct?
Account conduct with your current bank is very important as it depicts your ability to manage personal funds and it gives confidence to the lender to lend. Always make sure that your account is operating within agreed limits. However, things don’t always work out the way you want hence, there is no harm in talking to us to explore your options.
