We would be delighted to answer any inquiry you might have about your financial affairs, just use the form below or choose one of the alternative methods of communication.
Visit Us
36 Erne Crescent,
East Tamaki, Auckland 2016
Mail Us
naren@mortgagepundit.co.nz
Call Us
Any Queries?
Do you have questions about how we can help you with buying your first home, Investment property, buying new business, expanding existing business Or sorting out business cashflow problems? Send us an email and we’ll get in touch shortly, our dedicated team are always happy to help. You can also phone 0800 PUNDIT (0800 786 348) and 0211 898 652.
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.