Frequently Asked Questions
I’m self employed and can’t prove my income, can you help?
I’ve been turned down by my Bank, can you help?
My credit file is terrible, can you help me too?
Am I too old to get a mortgage?
I've just moved to New Zealand, no credit record here. Can you help?
I only have a small deposit, do all Banks lend with the new Restrictions in place?
Most don’t go over 80% unless the proposal is really strong. Don’t worry, there are alternatives, call 0800 536 337 for details.
In May 2020, the Reserve Bank temporarily removed the LVR restrictions for 12 months, this to allow the Banks to assist those requiring Mortgage deferments.
How can you offer me a mortgage when others can’t?
What details do I need to give you to get an approval?
Are your rates excessive?
Are there any charges if I repay my loan early?
How much can I borrow?
At iLender we deliberately do not put up an online calculator as they are very misleading. To get an idea of what you can borrow simply give us a call or send us a message and we’ll go over the numbers together.
Click here for more information.
What kind of mortgage structure?
Finding the right mortgage structure is essential to applying for a home loan. First home buyers should read about their options here and ask our expert mortgage brokers for assistance.
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Call us today to find out how we can help you!