Why work with a mortgage adviser instead of going directly to the bank?
Whether you’re buying your first home, growing your investment portfolio, refinancing or looking to refix an existing mortgage, one of the most important decisions you’ll make is who you choose to help secure your finance. While many still think their bank is the default option, working with a mortgage adviser offers a huge range of advantages, especially with the constant market changes we are currently seeing.
Before you head into your bank or hit re-fix on your banking app, here are a number of reasons why more Kiwi borrowers are choosing to work with mortgage advisers (just like us at Loan Market Dunedin!).
Bank branches are closing: With more bank branches shutting their doors across New Zealand, it’s getting harder to get in-person advice and support when you need it. Mortgage advisers fill that gap by offering personalised service and often outside traditional business hours too, so you can find a time that works for you.
A dedicated adviser with direct contact: When you work with a mortgage adviser, you get one person who knows your situation inside and out. No call centres. No being passed around departments. Just real, human support from start to finish. This means you can also say goodbye to frustrating hold music and generic customer service. With us, you’ll have a direct phone number and a real person you can reach out to whenever you need help or have questions.
More lending options, not just one bank’s products: We have access to over 20 lenders and hundreds of different lending products. That means we can find the right fit for your unique situation, not just the limited options that your bank offers.
It saves you time and hassle: Comparing banks, products, and rates can be time-consuming and especially if you’re not sure what you’re looking for. We do the hard work for you, streamlining the process and making it simple.
We work for you, not the bank: Unlike bank employees who are working for the bank, our job is to act in your best interests. We’ll always be transparent, and we’ll explain your options clearly so you can make informed decisions that suit your goals.
Ongoing support after settlement: Our relationship doesn’t end once your loan is approved. We regularly check in, help you navigate re-fixes, and review your loan structure if your circumstances change. We're in it for the long haul.
And the best part? It’s usually free!
In most cases, our service won’t cost you a cent. We’re paid by the lender you choose, and we’ll always be upfront if there are any exceptions to that (which are rare).
If you’re considering buying, investing, or reviewing your mortgage, we’d love to help. Get in touch with Loan Market Dunedin today for a free, no-obligation chat about how we can support you in making the best financial decisions for now and the future.