Why should I use a Mortgage Broker rather than dealing direct with a Bank?

June 4, 2025

Does anyone know what’s happening out there?

So many tragic stories on the news or online, then our Kiwi Savers are being hammered by on-going uncertainty in the USA.

Interest rates are dropping however, which is great news for home owners, investors and developers. Chasing good rates is creating many opportunities for businesses to refinance, consolidate debts, release equity for personal needs plus get good cash backs, money in your pocket, from Banks.

But for those who fit "outside the box", may be a little older or need additional finance it's not always possible to take advantage of new opportunities. Do you fit into either of the following categories?

  • I have a great track record of paying bills and a great business that has a strong cash cow. I would like to buy a property, but the bank says no! My problem is that because my business is specialised so are my property needs. The bank likes everything to fit inside a perfect square, and that will never work for this situation. 
  • We have been home owners for many years and are interested in buying another property but want to know what we can borrow and the mortgages that might be available to us before we look to purchase again? At the bank now things have become much harder as we are just dealing with a random stranger on a phone line, and the service levels are not great.
  • I have a business that needs some outside the box funding but don't know who to talk to first?

Provide some basic answers to the above questions ...

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