Couples feeling the heat with debt
Household debt has been steadily rising since the 1980s and the pressure of debt has been driving couples to counsellors and lawyers.
Read More...
Latest Mortgage interest rates
Latest mortgage rates:
Read More...
|
 |
MORTGAGE OR HOME LOANS, QUICK AND EASY .
In as little as 24 hours we can have your mortgage approved. We provide impartial advice and work with most of the major banks to secure the best mortgage.
All of this is at no cost to you. Contact us (no obligation)
Our service is:
-
At no cost to you
-
Quick and easy.
-
Available 7 days a week.
-
Impartial advice.
-
We work for you and your best interests.
-
Dealing with most of the major banks to get you the best deal.
-
Structuring deals that are suit your plans
-
Pre approvals.
-
Helping you identify and manage financial risks.
All Home Loans and Mortgages
We are now in a "buyers market" that means you can benefit financially.
The funds or equity you require as a deposit has increased, with some banks, to 20% but it is still possible to get mortgages on 5% deposit, of the value of the house, if you have strong income and a good personal profile.
House prices are slowly on the rise and so now is the time to get into the market and buy.
Get preapproved for your next mortgage to take advantage of the excellent opportunities this market provides.
Why not talk to us today to see how much you are able to borrow. There is no obligation and our service is free.
Give your family a home and an investment for their future.
Check out what our customers say about us
Why use Vizion Mortgage Brokers?
Vizion is a New Zealand company, privately owned and operated, We treat you as a real person not an account number.
Vizion has professional business partners including traditional banks and finance companies.
Vizion can supply over 100 products from over 22 financial institutions providing you the greatest choice, of interest rates, floating or fixed, captalized interest and the ability to split the loans to save you money to pay off your loans faster.
We are independent licensees to AlliedKiwi Mortgages who collectively place over $140million of mortgages monthly. You gain the benefit of this buying power and industry knowledge.
Our especially design technology provides you with comparatives and gives you information to help you make the best decisions.
We do all the work for you, making it hassle free. We liaise with Banks, valuers, solicitors and any other professionals required to get your loan settled on time.
We make sure you are aware of the need for protection offering your insurance products to make sure you are covered for those events that could make life difficult for you and your family.
We are continually listening to our clients to see what other services we can offer to provide you tools and information to make better decisions.
Why would you want to go anywhere else? It costs you nothing!!
Check out what our customers say about us
How much can I borrow?
Vizion will work out how much each bank will loan you, based on your individual profile. The amount between the main stream banks can differ by hundreds of thousands of dollars. Hard to believe, but it's true!!
You can go to your own bank and they may approve you, but you may qualify for tens if not hundreds of thousands more at another bank? By maximising your borrowing capability you may be able to buy a bigger or better home on the same income. We have sofware that profiles you against most of the major banks. This way, you know all the options available. Your loyalty to the bank makes little difference.
Whats more, we can apply to more than one bank at the same time using this information.
All financial institutions are different in the way the handle each applicant but they all look at five key factors.
- Stability of income.
- Stability of residence.
- Abililty to service the loan.
- The amount of deposit.
- Financial history.
We are professionals who work with banks to get you the best solution for your needs. Best of all is, our service costs you nothing.
For an obligation free assessment on how much you can borrow,
Check out what our customers say about us
Kiwi Saver can now be used as deposit on your first home.
If you have been in Kiwi Saver for three years you are now able to withdraw funds to be used as a deposit on your first home. You are entiltled to:
- The funds you have contributed to the scheme.
- The funds your employer has contributed.
To understand what is available, enquire from your fund provider and ask for a letter detailing what is available to you.
KiwiSaver First Home Deposit Subsidy
This may also be available to first home owners by application to The Housing Corporation of New Zealand.
To qualify:
- the applicant needs to have been in Kiwi Saver for a
minimum of three years.
- Maximum earning of :
$100,000 for 2 people
$140,000 for 3 or more people.
- Maximum value of Property in Auckland $400,000
This could add an additional $6,000 to your deposit
For more information on this and how much you can afford to borrow, contact us
Check out what our customers say about us
Refinancing an existing mortgage
There may be a number of reasons why you are looking to refinance.
- Your lender has exited the market - Wizard home loans and AMS.
- Your current bank will not advance any further funds.
- You feel that you want to test the market to see what alternatives are available to you.
Whatever your reason, we are here to help.Vizion deals with first and second tier lenders and will be able to give you straight feedback on how best handle your needs.
We are able to arrange short term asset funding to help you restructure your funding.
Check out what our customers say about us
Investment property mortgages
While the tax changes may have taken some investors out of the market, there appears to be a strengthening of rental rates. The logic behind this is that there are less new houses being built and with the deposits required for homes having increased and the exit from the market of some investors, there is decreasing supply of rental property available. The demand on rental properties has increased pushing rental rates up.
This, with a softening of the retail housing market is a scenario that will provide an increasing return on investment property.
To find out what you are able to borrow and structure in the current financial climate,
Check out what our customers say about us
This months free offer!
Whats more, if you sign up for a mortgage greater than $300,000 by the end of August 2010, you will receive an insurance package for 12 months, valued at $1200.00, absolutely free!!  Including:
- life insurance,Terminal Illness, Disablement, Redundancy, Bankruptcy and hospitalisation. (conditions apply)
Check out what our customers say about us
|
 |
|
|
|
