LOANS & INVESTMENT
Financing Futures is here to help you organise finance for your new home or investment. We can also help you refinance your existing loans to make sure you have the best products and rates available. We think outside the box and work hard for you. You will learn how to maximise your borrowing capacity to get into the property you truly want.
Why us?
Affordable Service
Generally our service involve no fee as we are paid by the lender. This is not on charged to you by the lender. In the rare event that we do need to charge a fee it will be discussed and agreed with you prior to the work being done.
Impartial
We treat every client and scenario fairly and independently. We work as your advocate and make sure everything we do is placed suitably.
Knowledge
With a wealth of experience to draw from and a comprehensive understanding of products, policies and procedures we can be sure to present the best advice to help you with your ultimate decision.
Expertise
Sometimes the “Jack-of-all-trades” approach is too much information for one person to handle! We believe that each of our employees should be an expert in the field they are operating in. This ensures you get the clear and precise direction you need to keep moving forward.
Passionate
Financing Futures staff want to help and know just how much of a difference that alone can make. Our belief is that a good experience for you is a good experience for all!
Team
It makes a big difference when everyone is on the same page. By having a team supporting you rather than one person, you can have confidence that we can cover off as many of your advice needs as possible.
HOME LOANS
Financing Futures can help you at any stage of your home ownership journey. Below are some ways to achieve your dream.
First Home Owners
Buying your first home is exciting but it can also be daunting.
There are so many questions to cover!
Is my bank the only option?
Can I use my KiwiSaver funds?
How much deposit do I need?
And where do I find all this information?
Financing Futures is here to answer all your questions and guide you toward your first home.
Refinancing and Restructuring your lending
Sometimes a change is as good as a holiday. Financing Futures can help you work out if the grass really is greener on the other side!
We can help you understand how to make the most out of your mortgage and ensure that you get the advice you need to make the best decision you can.
There are often several factors that lead to the decision to refinance including the cost. Lenders may offer a cash contribution or interest rate discount to incentivise people to refinance.
The team at Financing Futures are always monitoring the market and are often in daily conversations with the lenders. This means by talking to us you will have the most up-to-date market insight possible.
Low Deposit Home Loans
Most of the banks and lenders require a minimum of 20% deposit. When you have less deposit the lending criteria are typically different – meaning some banks may not lend to you and others may require more income or supporting information.
Some lenders offer the “First Home Loan” product which is assessed differently to normal bank loans and can be a great way into the market.
You may also be able to get some help to top up your deposit like being able to withdraw your KiwiSaver or through the First Home Grant. Whilst most people are aware they can use this to help buy their first home you may also qualify even if you have owned a home before!
Financing Futures keeps up to date with government initiatives and lending policies and can make sure the right options are explored for you.
Topping up your home loan
If you are a home owner there are always projects that you want to do. Financing Futures can help you find the funds necessary for renovations or refurbishing your home. You may also be able to free up funds for other things such as a holiday, a wedding, buy a new car, subdivide a property or buy in to a business.
Sometimes the list of projects is what gives you the clarity to realise you may just be better moving elsewhere! Often an upgrade to what you have involves needing extra money too.
Talk to us about what plans you want to achieve and let us find ways to make your future easier.
CONSTRUCTION LOANS
Are you dreaming of that special home? Have you been drawing plans and pacing out room sizes? Will it be a humble homestead or the next star of “Grand Designs”? Whether you are buying a Land and Home Package or designing your own house, talk to us about finance.
Building a new home has become an attractive option in recent times as construction loans do not fall under the banks high LVR restrictions. Let us help manage the process and take some of the hassle out of juggling the finances!
PROPERTY INVESTMENT
Whether you are aiming to purchase your first rental property or a portfolio of investments, talk to us. Cumulatively, we have over 50 years’ worth of experience helping property investors and can offer you strategies and advice to enable you to keep moving forward. There is often a ‘right’ way to structure investment lending depending on your needs and future growth appetite.
Let us help do our part in steering you toward the right financial future.