Best mortgage rates, 10% deposit owner occupied and 20% rental purchase, self employed with no financials and help for those with bad credit or arrears. Over 200 reviews on TradeMe make us the number one choice.
Has your Bank said No? We can help at rates that will pleasantly surprise you, even to 90%. Self Employed no Financials? Credit issues? Arrears? We cater for all of these and more, just call to ask us how.
A lot of people ask “so how does a Mortgage Broker get mortgages for people who can’t get them themselves?” or “why use a Mortgage Broker when I can do it myself?” The answers are simple.
For those who for whatever reason cannot get a mortgage due to bad credit or no proof of income (self employed especially), Mortgage Brokers have access to Mortgage products not available directly to the borrower. These are sometimes called Low Doc or Designer Mortgages and are often at Bank rates or a little over.
For bad credit and no proof of income, mortgages can still be arranged, it’s just a bit more expensive and the deposit or equity required might be higher. In these cases we always advise along the lines of a ‘means to an end’ and our goal is to get every customer to a Bank Mortgage as quickly as possible.
For those who can get a NZ home loan/mortgage from any Bank, that in itself can be a challenge! Who has the best rate? Who is giving away the most in freebies and more importantly, who has the best service?
At iLender we are impartial in our advice. All Banks with whom we do business, pay about the same in commissions so it’s you who comes first, not the Bank! Although we are Auckland Mortgage Brokers we help customers everywhere with New Zealand home loans and even those from overseas.
Type iLender into Trademe to read our reviews, more than any other Mortgage Broker in New Zealand. We help first home buyers, those refinancing or moving home, those wanting a mortgage with a poor credit history and we’re self employed mortgage specialists.
All it takes is a call to 0800 LENDER (0800 536 337) and we’ll tell you almost immediately what can be done and what you need to do to get your NZ home loan.