Better Decisions | Better Outcomes | Better Lifestyle

Don’t DIY Your Mortgage – Let Us Take Away The Hassle

Fri Sept. 28th 2018

Many people try and DIY their structure or refix their own rates when they come up for renewal. How do you know it is truly the right option for you unless you understand the industry and what is available out there?

If someone asked you to have a crack at a surgical procedure or replace the engine in a Mack truck, you would probably run a mile unless you are one of the select few with the right skills to do it.

So why is it any different when it comes to your mortgage?

Many people try and DIY their structure or refix their own rates when they come up for renewal. How do you know it is truly the right option for you unless you understand the industry and what is available out there?

To put it bluntly, you don't. You could be saving thousands of dollars, or shortening the term of your mortgage if you had the expert intel.

Here at Cave Financial, we are in the know. We can help you work out if you have the best rate, or if your loan is structured properly for your situation. We help make your debt work for you.

How do we do it? We get to know you and your situation, we save you time and money, and we customise your mortgage structure to meet your needs.

This is how it all works:

Getting To Know You, Getting To Know All About You…

Before we can make any recommendations, we need to understand your situation and your goals. So we take the time to get to know you.

Let's chat about your finances so that we know what you have to work with. We would also like to help you to set goals to achieve the lifestyle you want. Just because you have a mortgage, it shouldn't mean you can't work towards other things like taking a holiday or updating your vehicle if your budget allows for it.

Once we have those goals in place, then we can develop a plan to make it happen. That is a major benefit to working with a financial adviser. A lender will not be able to offer you this level of support or ongoing assistance.

Saving You Time And Hassle

Life is busy. We can totally understand that. Who has the time to be on the phone to multiple lenders, trying to negotiate the best for your family?

You don't have time for that. So, let us handle it all for you. Your time is important, you should use it for the things that matter the most. Not only can we save you time, but we can provide you with better options than you can secure yourself.

We have access to a wide range of banks and lenders, and you can work with the one that suits your requirements the best. We can advise you on which are providing the most competitive offer and negotiate the best interest rate for you.

Banks and lenders tend to change their criteria and offers from week to week. What you called about last week might not even be on the table now. But we can gather all of the current options together and present them to you so that you can choose the one that will give you the best mortgage results.

Customising Your Structure

Did you know there is more than one way that you can structure your mortgage? There is actually any number of ways, depending on your needs and objectives.

Do you want the flexibility of being able to repay large sums when you have the cash available? Maybe you prefer the certainty of set repayments. Or maybe you like a mixture of both?

You should also consider how fast you want to repay your mortgage, if cash flow is important to you, or if you want to reborrow funds on a revolving credit facility?

Whatever you want to do, we can help you to achieve the right structure for your financial situation and goals.

Have you got a fixed Interest rate coming up for renewal and want some help to get a great rate? Or, do you want to explore what other finance options are available in the market? Maybe you want to chat about the options for repaying your mortgage faster?

Here at Cave Financial, we can help with any of those things and more. Contact us today for a no obligation chat.

Need our help?

We're here to answer your questions.


09 302 7310

1D Roberta Avenue
Glendowie
Auckland 1071
New Zealand

  • Cave Financial have given us excellent advice on both our KiwiSaver and Investment Property Portfolio. I highly recommend Michael and Team. They're helpful, friendly, explain things making it easy to understand and walk you through every step of the process. Highly recommended!

    Matt

  • Cave Financial and team have been the absolute back bone of not only my business but my family’s future. I have so much respect and trust for your team, Michael. I’m so grateful to have your full support and feel secure with your values and guidance. I would highly recommend Cave Financial to anybody wanting peace of mind. 10/5 service!

    Miles

  • Helped so much with answering all of our questions around life insurance, then got us the best deal. Couldn’t be happier. 10/10.

    Lana and Hannah

  • We’re a long-term customer of Cave Financial. Michael and his team consistently provide professional and effective services whilst making us feel valued and seen. We appreciate being a customer of yours for 10+ years.

    Rob

  • I cannot recommend Michael and the team at Cave Financial highly enough. They steered me through a complicated set of mortgage applications with professionalism, good cheer, and were incredibly prompt with every query I made. On top of that they negotiated a better rate! I would not have been able to get through this arduous process without their skill and care.

    Tiffiny

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