Kainga Ora First Home Loans

A mortgage will probably be the biggest financial commitment you will ever make. And buying your first home can be a stressful and confusing experience, with many options and no shortage of advice to consider.

There are many different types of mortgages, with different interest rates and conditions that can vary between the different lenders.

Getting the best deal on your home loan could result in a saving of thousands of dollars in fees and interest.

That’s where a good Mortgage Broker (like us) will make it easier for you. We offer friendly, independent advice and make sure the process is as painless as possible.

We use our knowledge of mortgages and the products on offer by banks and finance companies to get the best deal for your particular situation, without you having to do all that leg work yourself.

We’ll take time to understand your needs, financial situation and goals to make sure you get the best solution.

Because we act for you (not the banks) we can negotiate terms and structure your loan so that you potentially save thousands of dollars over the lifetime of the loan. We have helped self employed and people with low deposits to get finance – presenting the deal to ensure it has the best chance to get approved.

If you want to get the right home loan for your unique needs talk to Edge Mortgages.

“We are so glad that we followed the recommendation to work with Edge Mortgages and offer the same recommendation to others who are considering buying a home. Get in contact with them and let their skills, experience and professionalism speak for itself. M and N Murray”

How much will you be able to borrow?

How much you can borrow is based on your total income compared to your total outgoings. But every bank has different lending criteria so one may lend you a lot more that another on the same day, in exactly the same circumstances.

Don’t assume that if you have been turned down for a loan by the bank you’ve been with for years, that you won’t be able to get a loan from anyone else. It doesn’t make much difference to them how long you have been with them if you do fit their lending rules.

You may also be surprised at the difference between how much the bank says you can afford and how much you feel comfortable borrowing.

We make the process easy by working through the best option to suit your situation, so talk to us today!