Home Loans
First-Time Buyers
At INNOVEST, we specialise in helping first-time buyers like you buy their first home. When you choose us, we’ll provide you with all the information you need, from the deposit you will require to how best to structure your loan to the different types of mortgage products that are available.
We provide support at every stage of the process. Our team of experienced mortgage brokers and advisors will provide you with access to the widest possible range of lending options, including traditional banks as well as non-banks and specialist lenders.
Next Home
Do you want to move home? At INNOVEST, we have experience across the entire home loan spectrum. This includes families moving up the property ladder, couples downsizing after their children grow up and move out, and those relocating to a different part of the country. Whatever your circumstances, we can help.
You already own a property and have probably had a home loan before, but the process of securing a loan for your next house can be just as complicated as it is for first-time buyers. As a result, you need expert advice and support from an experienced mortgage advisor.
We work on your behalf, and we’ll provide you with the information you need to make the best decision for you, your family, and your future. We also work with a wide list of lenders that extends beyond the traditional banks, increasing the options that are available. Get in touch today to start a discussion.
Investment Properties
Are you looking to get started in property investing? Our mortgage advice will help you make the right decisions and achieve your goals. This includes advice on using the equity you already have in your current home to get started with property investment, as well as the mortgage products that are available.
We also have excellent relationships with other professionals in the industry that can help on your property investment journey, including building inspectors, accountants, and lawyers.
If you are already a property investor, we can provide you with similar advice and support, particularly in relation to securing further lending to expand your portfolio of properties. Get in touch today to find out more.
Refinancing
Could you benefit from refinancing your mortgage? Refinancing means moving your mortgage to another mortgage product, usually with a different lender. Why would this be beneficial, though?
The first thing to point out is that refinancing may not be the best option for you. After finding out more about your circumstances, our mortgage advisors will be able to provide you with this information, including why it is probably best to stay on your current deal.
In many situations, though, refinancing can offer significant benefits. You might be able to pay less over the same mortgage term or reduce the term while paying the same amount so you can clear the mortgage faster. These are just some of the benefits – get in touch with us today to find out if refinancing is right for you and the options that are available.
Working For You
The starting point will be getting an understanding of your financial position. From here we provide you with information and advice on the deposit you will need and how you can get it, including how you can potentially use your KiwiSaver investment. We’ll then guide you through the rest of the processes, helping your secure the best possible deal and structuring the loan to maximise the benefits.
