We Can Do A Second Mortgage

We have a few million $NZ for second mortgage placement.

Lenders are currently quite sensitive to high first mortgage amounts and priority figures and so Caveat seconds are starting to re appear as they did many years ago.

These are great options for people who have a deal that needs to be done and only need the lending for 12 to 24 months.

All deals on a case by case basis.

Product: Interest Only.

Term: 12 to 24 months.

Security: Residential Property.

Rate: 14% to 17%

Lvrs: under 75%

Max Amount: $100,000.

Right to pay down: Some lenders will allow principal payments.

This option is certainly worth a try and is very competitive with other available options out there at the moment.

Asset Lending Advances

This is a great option for people with lots of equity but you don’t meet the income requirements of the major lenders for what ever reason.

Security is via a First Mortgage and interest rates are from 8.75%

Security that can be used can range from Residential Real Estate to Farms to Commercial Real Estate.

Give us a try.

ANZ National Bank have also made major reductions with a 90 basis point cut from it’s one-year rates and 85 points from it’s six-month rates. It’s floating rate has been reduced by 75 points and it’s longer fixed term rates have been reduced by up to 60 basis points. Cairns Lockie and General Finance have also made similar cuts.

AMP Home Loans have reduced both it’s standard and priority fixed term rates. The biggest cut was to it’s six-month term also by 74 basis points followed by one-year rate by 69 points, two-year by 60 points, three-year by 65 points and it’s four and five-year rates by 55 and 50 points respectively.

Utilising our close relationship with LOANZ limited we have access to all the major lenders and are able to find the loan that is most appropriate for your needs.

Some of the various loans available to us are.

* Home Loans
* Investment Loans
* Commercial Loans
* Equipment Finance
* Leasing

Home Loans

Are you looking for a pre-qualified for a home loan?

Do you want to get a great rate?

Don’t know if you should fix for 2 years or 5.

These are just some of the questions we are often asked when helping people work towards their goals.

Nearly all kiwi’s dream of owning their own home and most kiwi’s can actually qualify for a Home Loan, yet a lot of kiwi’s think they would not get approved.

Some banks require people to have a good credit rating. However, there are many lenders who will provide funding called “Lo-Doc” and “Non-conforming” loans.To learn about becoming pre-qualified for a home loan, you may want to consult with one of our Wealth Coach’s.

Using LOANZ limited we have access to dozens of lenders as well as information about various types of programs that may be helpful to you. Many people are hesitant when dealing with Mortgage Brokers, it may help to know that over 40% of all new home loans applications in Australia are arranged by a Mortgage Broker.

Our advisers will be the greatest source of help available to you. One of our Advisers will walk you through every step of the process and offer you advice on a variety of lending solutions. you can speak with one of our experts now, by calling or emailing one of our offices.

Residential Investment Loan

You need to get the best return on your real estate investment and one of the best ways to do this is to ensure that you receive a competitive interest rate. You should also ensure you have structured you loan to be as efficient as possible and you also need to consider how best to manage the cash-flow requirements of a rental property owner. Our Advisers can assist you with budgeting for your cash flow needs.

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Commercial Loan

Commercial and Business Lending by nature is more comprehensive than Residential or Investment loans and require a level of expertise on the part of the broker. At LOANZ limited we have writers who are experienced in all facets of Commercial and Business lending One of our Advisers will walk you through every step of the process and offer you advice on a variety of lending solutions. You can speak with one of our experts now, by calling or emailing one of our offices.

Equipment Finance (commonly known as Leasing)

At Professional Investment Services we are dedicated to understanding and supporting the needs of businesses and offer comprehensive commercial motor vehicle and plant & equipment financing solutions where leasing options are tailored to suit your needs. Our experience and access to a wide range of lenders means we can provide finance for motor vehicles and business equipment. Ranging from office equipment to diamond drills or even a helicopter.

The following is a list of our services. We are also strategically placed to introduce you to other industry professionals who may be of assistance to you should the need arise.

* Financial Planning

* Budgeting

* Wealth Creation

* Investment Planning

* Cash Management

* Loan Facilities

* Debt Structuring

* Debt Management

* Debt Consolidation

* Insurance Services

* Retirement Planning

* Superannuation

* Stock Broking Facilities

* Tax Planning Strategies

* Estate Planning

* KiwiSaver

* Portfolio Construction

* Real Estate Investment Advice