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    How Much Can I Borrow?

    If, off the back of the recent new record low OCR (Official Cash Rate) announcement, the resulting fixed rate mortgage war represents the price, who represents your advice? The question of how much you can borrow is related to what mortgage you can afford but there are many other factors you need to consider beyond the price, so where should you get the advice relevant to your circumstances and the price on offer? The bank selling you the rate, the friends, the neighbours or work colleagues that compare your unique situation to theirs (even if they can)? In making such important financial decisions, you can do better.

    Lenders do a good job of providing capital to the market to enable our dreams and business aspirations to come to life but it is not a free ride and there are things people need to be aware of when looking to buy a mortgage. And while our family, friends and neighbours often have our best interests at heart that does not mean they have the financial capability by education, qualification and experience to deliver that.

    We can help you to access multiple lenders on one easy application. We work with all major banks including ANZ, ASB, BNZ, Westpac. We also deal with the New Zealand banks such as Cooperative Bank, TSB, Heartland Bank, SBS and we have a range of specialist private lenders too meaning we probably have a lending solution for you.

    So if you want to know how much to borrow and what terms are in your best interest, talk to us. Global Finance; Your Best Interest since 1999.

     

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    Our Services:

    To make the process easier we have put together a step by step guide below on how you can successfully get approval of home loan to purchase your first home, from organising paperwork, the loan application, making an offer then moving in.

    Transfer your home loan to another bank to receive a better deal such as a lower interest rate. Or, pay off your loan faster, or receive better service.

    A Business Loan allows you to purchase a franchise, or new business, or inject capital to develop and grow a current business, and you may be able your loan at home loan rates.

    A Commercial Loan allows you to by property such as a shopping precinct, an office building, a warehouse or a building you can use to run a business. Earn income from commercial property

    A construction loan allows you to build your dream home. You will need to determine how much it will cost to build, including the cost of the land andonce your loan is approved you draw down instalments as the building project progresses.

    By restructuring your mortgage, if you have the right combination of fixed and floating interest rates and appropriate loan repayment amounts, you could save thousands in interest costs and pay you loan off faster than a standard bank term.

    Property Investment

    Provide income for the future. Property investment is the single largest form of investment in New Zealand and can allow you have a source of income for the future. It also allows you to take advantage of any capital gains in the shorter term.

    Provide income for the future. Property investment is the single largest form of investment in New Zealand and can allow you have a source of income for the future. It also allows you to take advantage of any capital gains in the shorter term.

    Pay off debt at lower interest. If you have existing debt on credit cards, hire purchase and personal loans, debt consolidation can replace this higher interest rate debt with a lower interest rate loan.

    To send in your application by email or fax to Global Finance