Adam’s Blog – Personalised Mortgages Ltd

I’m a bank client? Right?

It’s interesting times alright, especially in the residential loan market. We have 4 (5 if we include our Government owned bank) main banks, plus a handful of smaller banks who lend the majority of residential borrowers in NZ. But what if you don’t qualify for a bank lend? Or what if you want to borrow...

ByAdam Day

Homeowner loan options

We are lucky here in NZ that with 4 main banks and quite a few smaller ones, there is an offering for meet most clients needs. With my clients I work with them initially to work out the best bank with the right structure that will help them hit their short and longer term goals....

ByAdam Day

What question am I asked the most?

In my role as a mortgage advisor, quite understandably I guess, I am asked lots of questions by lots of people. There is one which comes up again and again – What do I need to do to get a home loan or increase my current borrowing? Or put it another way – Is there...

ByAdam Day

A mortgage adviser isn’t just for Christmas but for life…..

I am sure you will all remember the TV advert, a dog is yours for life, not just for Christmas. I do, and it probably sparked me into a life of dog ownership (currently 2 retired greyhounds who dominate our sofas 24/7 – see the photo above). Well, a mortgage adviser is the same. If...