A better mortgage starts with better advice.
New Zealand Mortgage Brokers
Tussock Financial are Canterbury based mortgage advisers who work nationwide to help you work out how much borrowing is right for you, alongside how much a lender will let you borrow.
Approval is the starting point.
Getting a yes from the bank matters. Understanding what that yes means for your monthly cash flow, future choices and everyday life matters too.
Good mortgage advice considers:
How much you can comfortably borrow
How the mortgage should be structured
The flexibility you may need later
The costs and trade-offs attached to each option
How the decision fits alongside your other financial priorities
Lending advice for the move in front of you.
01.
Buying your first home
You have the expense spreadsheet, idea on deposit, a suspicious number of Trade Me Property tabs open and several conflicting opinions about what you should do first.
Get clear on your deposit, borrowing power and pre-approval so you know what you are working with before falling for the kitchen island.
02. Refinancing your mortgage
Your current mortgage made sense when it was arranged. Your income, interest rates, priorities or future plans may look quite different now.
Review its structure, compare the costs and benefits of switching, and work out if refinancing could leave you in a stronger position.
03.
Buying an investment property
Another property can create new opportunities. It can also change your cash flow, borrowing position and ability to respond when something unexpected appears.
Understand your usable equity, borrowing power and lending structure before deciding if the next property earns its place in the plan.
04.
Buying and selling
Your current home may no longer fit your family, location or circumstances. Buying and selling at the same time can bring equity, borrowing limits and settlement dates into the same decision.
Understand what your sale could make possible, what you may be able to spend next and how to structure the move from one home to another.
What working with Tussock Financial looks like.
01. Start with your life
Talk through what you are considering, what you want the decision to make possible and what matters outside the mortgage.
02. Understand the options
Compare suitable lenders, structures and borrowing choices alongside the costs, compromises and flexibility attached to them.
03. Make the call
Move forward understanding what you have chosen, why it fits and what happens next.
Make the numbers work for your life.
If you are buying your first home, refinancing or considering an investment property, start with a conversation about what you want the decision to do for you.
The mortgage can follow from there.