Mortgage Finance Made Easy

With more and more lenders trying to vie for your attention, it is often confusing, even daunting, to know where to start or even who will provide the best possible service with the best possible product.

Being completely independent of the banking system or any particular product offering, Home Loan Advisers NZ are well positioned to provide impartial advice and obtain the best possible outcome for your mortgage requirements. You are our client, not the lending institution. As such, we will work in your best interests at all times.

A disclosure statement is available on request and free of charge.

We are to inform people about the conditions of a property they want to sell or buy.

Regulations have changed a lot over the years – it is, therefore, to understand that some building will not pass new regulations,  but the performance of building materials and the building materials should be investigated.

It is important to understand the client’s intention of spending on a building, the client’s perception of what they are buying and to actually describe what they are really buying.

If any defects are on a house that they were not aware of, it can be a life-changing experience for a client.

A little leak in the shower can cause wood rot to inner timbers of the walls, floorboards, joists, beams and piles.  If a client buys a leaky shower, repairs can easily cost $10 to 20k.    Not an expense that a first home buyer will have budgeted for.

Corrugated roofs had a life expectancy of 25 years.  Roof cladding can be anything between $18000 and $35 000 to be replaced.   Decramastic tiles can have asbestos particles in the glue,   There for an additional expense to appoint an asbestos removalist to rove and discharge the Asbestos Containing Materials correctly as per specifying regulations.

Older electrical switchboards need upgrading if additions to the house are made.   Replacing of Switch boards can be between $2k and $10k

Only a few examples of what can be easily missed by sellers and buyers.

It is worthwhile to have a building inspection before you buy – you can save yourself thousand and prevent yourself from walking into a financial crisis.  We live in a period of buyer beware – buyers have the conditional period to do proper due diligence before the contract does go unconditional.

BUILDING INSPECTIONS

All building inspectors are ready to help you with an intelligent home building report, pre-purchase or pre-sale report. These building reports will give you the peace of mind to protect yourself and your family from the unknown.

METH TESTING

Meth testing by a professional is the only way to be sure that a hidden Meth or “P” contamination problem is not lurking in your home. Protect your tenants and investment with a smart meth report from a Betta Inspect It member.

ASBESTOS SURVEYING & TESTING

New health and safety legislation makes houses containing asbestos based products a much harder task to renovate and manage. Getting an asbestos test, survey or management plan will help you comply with current legislation.

MORTGAGE & INSURANCE ADVISER

Being a Registered Financial Adviser (RFA) means I can offer advice & service on both mortgages and insurances.

I love helping anybody to achieve their financial goals, from helping first home buying families trying to get onto the property ladder to helping experienced investors increase their property portfolio.

I have many years of experience as a lender having been a bank manager for over 10 years and now an independent Mortgage and Insurance adviser.

I am mobile and flexible with my time so I am happy to travel anywhere in the Eastern Bay of Plenty and happy to meet with you at a time that is most convenient to you.

WE ARE THE EXPERTS IN HOME INSPECTIONS / BUILDERS REPORTS

• Trade Certified Builders / LBP’s
• BOINZ Accredited Inspectors or Licensed Building Practitioners
• Up to date equipment
• Latest software
• Comprehensive Reports
• Same day turnaround
• Efficient and confidential
• Competitive pricing
• Large trade database
• Our Inspectors have Professional Indemnity Insurance
• Our Inspectors have Public Liability Insurance
• Our Inspectors are all Certified Meth Samplers