Mortgages Advisors
Information to Share with Your Adviser
Your long-term plans – How long do you expect to stay in the home? Will you need flexibility for future moves?
Planned renovations or upgrades – If you’re considering changes, your adviser can help structure the loan accordingly.
Your financial details – Your income, deposit, expenses, and financial commitments all impact your loan eligibility and structure.
In New Zealand, mortgage advisers must comply with the Financial Markets Conduct Act 2013 and provide advice that is in your best interests. They are also required to disclose any conflicts of interest, fees, commissions, and key terms before you proceed with any loan application.
By asking the right questions and being open about your financial situation, you’ll be better prepared to secure the best home loan for your needs.