Know That You Have Significant Wealth in the Value of your Home
Equity Release / Reverse Mortgage
Always Keep in Mind That Your Home Is a Valuable Asset.
Learn How Equity Release Can Help You
Learn How Equity Release Can Help You Get More Money Out of Your House
In Christchurch, your home is more than just a place to live - it's a valuable asset that can unlock your financial independence.
Equity release offers homeowners the opportunity to access the significant financial value locked within their homes, offering a distinct path to financial flexibility without the requirement to sell or move.
A home holds great personal value and serves as a valuable asset for many individuals. Accrued equity, which is the difference between the market value of your home and the remaining mortgage, can prove to be a valuable source of income during your later years. It can provide a much-needed financial cushion when you need it the most.
If you're considering an equity release plan, it's wise to consult with mortgage equity experts. Mortgage Broker Christchurch can help you connect with a professional who can provide guidance. Working with a skilled mortgage expert can provide valuable assistance in understanding the fine details and considering various options that align with your long-term objectives and financial constraints.
Let Laura find the lender that works best for you
Maximise Your Equity Release Benefits and Live Life to the Max
Save for retirement and achieve financial independence by using the equity in your Christchurch house as collateral. Homeowners who are 60 years old or older can take advantage of equity release, which lets them earn a lump sum or regular payments while they hold on to their beloved houses.
Whether you prefer lifetime mortgages or home reversion programs, the monies that have been released are entirely at your disposal in Christchurch. If you work with the correct mortgage broker, you may be able to postpone your mortgage payments until you go into long-term care or die. This will allow you to completely relish in your retirement and unwind.
Get in touch with Mortgage Broker Christchurch. Our goal is to put you in touch with a seasoned mortgage lender who can explain all the steps of a home equity release, provide helpful advice, and give you peace of mind.
Turn Your Home's Equity Into Cash—Without Having to Make Monthly Payments
Take advantage of the equity in your home to get a cash infusion and gain more financial independence. There is no need to be concerned about making monthly payments, unlike with a conventional mortgage. You can choose to put off paying back the loan until you sell your house, move, or die. You may enjoy the benefits of homeownership in Christchurch while also enjoying the delight of watching your property appreciate in value. This will give you more freedom to live your retirement as you want.
FAQs - Equity Release / Reverse Mortgage
What is Equity Release?
People who are fortunate enough to own their own houses and are between the ages of 55 and 60 have the opportunity to consider equity release. They can get a chunk of their home's equity without having to sell or give up the deed. Two main options are available: lifelong debts and house reversion programs. One advantage of home reversion plans is the ability to use the sale of part or all of your property as security for a loan. The borrower usually pays back the loan after the homeowner dies, moves into long-term care, or sells their house.
What are some possible uses for the newly-found equity?
A wide range of options are available to you when you use equity release money, including increasing your retirement income, paying for medical bills, improving your house, paying off debt, or helping out loved ones financially. Every household in Christchurch can easily personalise this adaptable solution to match their specific needs and tastes.
Could we pay back the Equity Release loan early?
Before you choose an equity release plan, be sure you understand all of the terms and circumstances. Some plans let you pay off your loan early. Your equity release provider should be consulted before you think about paying off your loan early. By doing so, you may steer clear of any fines or additional costs that might come your way.
Christchurch Mortgage Broker Services
Beyond Transactions, Building Homes: Go for Expert Mortgage Services
FIRST HOME MORTGAGE
Buying a home is thrilling. However, it can be intimidating. Listen to Laura and don't allow anything stop you from pursuing first home.
Re-Mortgaging
If your circumstances has changed or a fixed rate agreement has expired, explore your options with mortgage expert.
Debt Consolidation
Pay off your loans more quickly by combining them. When you achieve financial independence, you open the door to all of your dreams.
New Build Finance
Building a new house? You can save more money by securing new construction financing and only taking out the money when it's really needed.
Investment Purchase
Want to add more properties to your portfolio? In Christchurch, we can help you find a Mortgage Broker to get the lowest rates on properties.
Moving & Bridging
If you're in a bind and need to buy something before you can sell it, or if you need funding, we can help. A bridging loan can be the best option for you.
EQUITY RELEASE
Stay and live in your home while you release money from it. Have fun in retirement and find out how Equity Release can assist you.
ASSET FINANCE
If you're a business owner in need of capital for work expansion, or asset financing to purchase machinery or tools, we can help.
Why go for ‘Mortgage Broker Christchurch’?
Get the mortgage expertise you need from Laura Cates.
Laura is a Christchurch loan expert who can diligently get you the best possible outcome on your mortgage application.
Laura has ties with Mortgage Lab which has a strong industry network of trusted NZ lenders
Enjoy easy and stress-free online application filling and submission is also an option, as is meeting in person, by phone, or through Zoom.
No matter your financial circumstance, Laura can help up your chances by connecting you with over 26 lenders.
The home ownership is always a coveted dream. But many people don't think about their budgets while applying for loans. Having said that, a long-term mortgage requires monthly payments. Rest assured, Laura is at your service to help you make sure your debt is manageable and sustainable moving forward.
Select a Christchurch Mortgage Broker that places your goals ahead of the banks.
Explore 'Whole of Market' lending
Take a close look at multiple banks instead than just one
Increase their access to potential lenders through their connections
A mortgage expert is multitasking extraordinaire! They can evaluate current insurance policies all at once
Get free mortgage advice to help you succeed
The bank will cover the fees, so you won't have to worry about them
You can save money on interest payments by remortgaging today
If you let your mortgage professional discover the right financing partner for you, you can get the greatest prices
Reduce the length of time you pay your mortgage, freeing up more money to enjoy
Lower your financial load and free up more mental space to pursue your passions
Testimonials
FAQs
What is a Home Loan?
When you get a Home Loan from a bank, you can buy a property and pay it back over a set period of time. Loans in New Zealand usually have a duration of 20-30 years. If payments are not made, the bank may sell or take possession of the property. Bank financing is a popular choice among New Zealand homeowners who want to turn their housing dreams into reality.
What are the benefits of working with a mortgage broker in Christchurch, like Laura Cates, as opposed to going straight to the bank?
It can't be said enough, banks no longer provide the personalised service we once had come to anticipate. If you want to reestablish that personal connection with someone who truly cares about you and wants to see you succeed, hiring a Christchurch mortgage broker to act as your advocate is the way to go. Laura is a trusted mortgage broker in Christchurch, so she can find you the best deal possible by comparing policies, rates, and the appetites of different banks based on your unique scenario.
How much will mortgage brokers cost me in fees?
Most of the time, brokers don't ask for money. When you pay off your loan, the banks will give them a fee. You don't have to pay this commission. Instead, banks see it as part of the cost of getting a new customer, and it could come from their marketing or hiring budget, among other places.
A mortgage broker will work for free and not charge you for their time. But sometimes you may need a private or non-bank loan. If that's the case, the lender may charge you more for our service. We won't do anything without your full permission and understanding, and if your situation is likely to fit this group, we will talk about it with you in detail ahead of time.
What about Home Loans for first-time home owners here in Christchurch?
Buying your first home can be a daunting experience. Sometimes it makes all the difference to have someone walking you through the process, offering expert advice and support. Its not just a financial journey, its also an emotional one! A huge number of our clients are first home buyers, and we welcome the opportunity to support you on your home ownership journey.
What about Investment Purchase / Top Up Existing Borrowing?
A good mortgage broker will find the best choice for you, whether you want to buy an investment property, make improvements to your home, or get a second mortgage. You can easily get through this process with Laura's help. You can choose to save money while paying off bills or make an investment property do well. Please don't be shy about getting in touch; Laura is ready to help you right away.
Building your ideal house in the Christchurch district? Apply for New build Lending today!
Now is the perfect time to own the home of your dreams in Christchurch, thanks to the continuous development boom. Problems with delays, shortages, or changes in prices are just a few of the possible obstacles that could affect your application. A professional mortgage broker in Christchurch, such as Laura, can keep you apprised of these developments for a more streamlined lending procedure.
Is Re-Mortgaging or Fixed-Rate Rollovers an option?
Interest rates change throughout time due to changes in the financial market. When rates are about to change, it's a good time to talk to a mortgage broker. Is the service you receive from your bank sufficient? Are there any other loan options available? A substantial monetary contribution may be possible if you relocate your company. To make sure your financial plan is always optimised, Laura can assist you in exploring ways to save costs or change loan terms with little adjustments.
Where Dreams Find Homes: Your Journey Begins with Our Tailored Christchurch Mortgage Services
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