With over 20 years of experience, James can save you time, stress, and money by providing the best possible home mortgage service and solution for you.
Our Financial Services
First Home Buyers Mortgages
The prospect of purchasing your first home can be intimidating for first-time home buyers, but with the guidance of a reliable mortgage adviser, the process becomes much simpler and less stressful. We walk you through the process step by step.
Refinancing Mortgages – Existing Home Owner
Refinancing can be a savvy financial decision, enabling you to secure better interest rates, benefit from more flexible loan features, or consolidate your mortgages, all resulting in significant savings.
Investment Properties
The prospect of purchasing your first home can be intimidating for first-time home buyers, but with the guidance of a reliable mortgage adviser, the process becomes much simpler and less stressful. We walk you through the process step by step.
First Home Grant
We’ll assist with understanding and applying for the First Home Grant, ensuring that individuals receive maximum financial support for their first home loan and purchase.
Mortgages for Self-Employed
Self-employed individuals can access customised mortgage solutions that specifically address their unique requirements and challenges.
Why Choose a Mortgage Adviser?
Below are a few reasons you might want to select a mortgage adviser over a bank to help you find your dream home and secure the best deal.
Personalised Service
Mortgage advisers take the time to understand your unique financial situation and lending needs, offering tailored solutions that cater specifically to you, unlike banks that may provide more generic options. A financial adviser can make the whole process easy, even for first-time property investors.
Access to a Wider Range of Lenders
Mortgage advisers work with multiple lenders, including banks and non-bank institutions, giving you access to a broader range of mortgage products and the best rates available in the market.
Expert Advice
Mortgage advisers have specialised knowledge and experience in the home loan market, which means they can provide valuable insights and advice on the best mortgage options for your circumstances, whether it’s your first house or investment.
Streamlined Application Process
Mortgage advisers can help simplify the application process by gathering the necessary documentation, completing paperwork, and liaising with lenders on your behalf, saving you time and effort. They can even assist with pre-approval, making the home-buying experience smoother.
Negotiation Power
Mortgage advisers can leverage their relationships with lenders to negotiate better loan terms and interest rates for you, which may not be possible when dealing directly with a bank.
Ongoing Support
Mortgage advisers can provide ongoing assistance throughout the life of your loan, including helping you refinance or make changes to your mortgage as your needs evolve. They can be a valuable resource for property investors who require ongoing guidance.
Financial Guidance
Unlike banks that may promote their own mortgage products, mortgage advisers in New Zealand work independently, offering impartial advice and recommendations based on your personal financial situation.
No Cost to You
Mortgage advisers receive their commission from the lender, meaning their services come at no additional cost to you. This allows you to benefit from their expertise without incurring extra expenses.
Saves You Time
Mortgage Advisors do the running around, source the best option given your personal situation and make recommendations to you based on their experience.
Why Choose Me as Your Mortgage Adviser
Experience
With more than 20 years of experience, I’ve been fortunate enough to help thousands of clients finance their dream homes. I’m honoured to have received a few awards along the way, including being a two-time NZMBA Regional Winner for Canterbury Mortgage Adviser of the Year, as well as a finalist in other years. I’ve also been recognised on a national level, winning Top Loan Writer and Top Adviser by Loan Value in the past. I’m proud to have settled over $1 Billion in home loans. I’m passionate about providing friendly, personalised service to everyone I work with.
Local
As a local resident, I understand the Christchurch community and market well, which helps me guide you through the entire process with a thorough understanding of the local market. But don’t just take my word; see what people are saying about my service in the reviews above or on my Google My Business Page.
Personalised Service, Broad Lender Access
I’m dedicated to providing personalised mortgage solutions for each client by carefully evaluating their financial situations and offering tailored recommendations. As an experienced Mortgage Adviser, I’ve built connections with a diverse range of lenders, including the big banks and smaller lenders, ensuring access to various mortgage products and competitive interest rates for your mortgage.
Client Testimonials
Start your mortgage journey with our experts at Money For You Mortgages.