Subtract the
challenges
You may be investing in property, you might be buying your first home or you could be refinancing. We add the factors that take away the challenges, efforts and stress, leaving you to focus on the other things that matter. And because we’re paid by the banks and lenders, our support is almost always at no cost to you.
Investment Property Lending
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Whether you’re buying a new-build or an existing rental or portfolio, cleverly-handled property investment can bring great rewards. Our experience crosses complex lending scenarios and numerous policy changes and economic cycles. We know the ins and outs, how the banks think, and how to formulate the best approach. By securing competitive interest rates with future-proofed flexible structures and optimising your finance across your whole property portfolio, we help you realise your investment’s greatest potential.
Investment Property Lending
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Whether you’re buying a new-build or an existing rental or portfolio, cleverly-handled property investment can bring great rewards. Our experience crosses complex lending scenarios and numerous policy changes and economic cycles. We know the ins and outs, how the banks think, and how to formulate the best approach. By securing competitive interest rates with future-proofed flexible structures and optimising your finance across your whole property portfolio, we help you realise your investment’s greatest potential.
First Home Buyers
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Buying your first home is exciting. But dealing with lenders can be a real mission and carving through the complexities of mortgages can be mindblowing. So we stand in your corner, step you through the process, and help you understand your options so you choose the right loan structure. As your ally you’ll always be able to reach us, you’ll always be kept up to date, and you’ll have an advocate well versed in bringing the banks, your other professionals and your overall plan together.
First Home Buyers
+
Buying your first home is exciting. But dealing with lenders can be a real mission and carving through the complexities of mortgages can be mindblowing. So we stand in your corner, step you through the process, and help you understand your options so you choose the right loan structure. As your ally you’ll always be able to reach us, you’ll always be kept up to date, and you’ll have an advocate well versed in bringing the banks, your other professionals and your overall plan together.
Overseas Borrowers
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We help New Zealanders around the world access the best secure lending options for investment properties back home. Offshore income is one of the fastest-changing policy areas, but we understand the complexities, differing lender deposit requirements, debt servicing calculations and account-opening processes. No worries.
Overseas Borrowers
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We help New Zealanders around the world access the best secure lending options for investment properties back home. Offshore income is one of the fastest-changing policy areas, but we understand the complexities, differing lender deposit requirements, debt servicing calculations and account-opening processes. No worries.
Refinancing
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Take advantage of constantly shifting lending rates. A refinance review will check whether your lending structure still works in your favour and fits with your plans. Whether it’s restructuring with your existing bank or exploring options with a new provider, a lower rate or a better opportunity are both wins.
Refinancing
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Take advantage of constantly shifting lending rates. A refinance review will check whether your lending structure still works in your favour and fits with your plans. Whether it’s restructuring with your existing bank or exploring options with a new provider, a lower rate or a better opportunity are both wins.
Rate Refixing
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Loans have a lifespan. When it’s time to refix yours let’s explore your options to keep you heading in the right direction. We’ll guide you through loan terms, figures and repayment strategies, and negotiate the best rates with your current bank on your behalf, leaving you to get on with your goals.
Rate Refixing
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Loans have a lifespan. When it’s time to refix yours let’s explore your options to keep you heading in the right direction. We’ll guide you through loan terms, figures and repayment strategies, and negotiate the best rates with your current bank on your behalf, leaving you to get on with your goals.
Buying, Selling & Bridging Finance
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Sometimes you need a stop-gap to get to life’s next big thing. Whether you’re buying a new home, selling your existing property, or need short-term bridging finance to help with timing, leave it with us. We’ll find options, structure your lending, and make it a stress-free smooth move.
Buying, Selling & Bridging Finance
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Sometimes you need a stop-gap to get to life’s next big thing. Whether you’re buying a new home, selling your existing property, or need short-term bridging finance to help with timing, leave it with us. We’ll find options, structure your lending, and make it a stress-free smooth move.
Marital Separation Loans
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Refinancing to buy out a partner after separation can add another layer of complexity to an already difficult situation. With practical, compassionate support we can help you understand your options and structure lending in a way that sets you up for your next chapter.
Marital Separation Loans
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Refinancing to buy out a partner after separation can add another layer of complexity to an already difficult situation. With practical, compassionate support we can help you understand your options and structure lending in a way that sets you up for your next chapter.
You know our services, now learn more about Factor Financial.
