Why Lockhart Mortgages Limited?
With over 9 years brokering experience Lockhart Mortgages has already helped hundreds of clients secure their home loans and we can help you too.
We know it’s now harder to get on the Auckland property ladder than ever before, so having the right Mortgage Broker who knows the market and can guide you through the potential pitfalls to save you time and money is now more important than ever.
How do we work with you?
Lockhart Mortgages will work with you every step of the way, from assessing your options, to helping you ensure you have all your “ducks in a row” prior to your property settlement date.
Our experienced team don’t just get you a loan approval and a great rate, we are here giving you the benefit of our experience and
advice, to guide you through the biggest purchase of your life, ensuring you are off to a great start.
Our service is free!
So many things are advertised as free nowadays, but our service is completely free to you. The banks pay our commission – only when your loan settles. Importantly, and contrary to some rumors, the banks do not add our commission into the interest rate they charge you.
In fact a good broker will likely get you a better interest rate discount than you can negotiate yourself through your bank. At Lockhart Mortgages we put together the most appropriate home loan package that works for you.
We want to give you the best service possible so we will see you again for your future purchases and that you will want to recommend us to your friends and colleagues.
This is how we work with you.
Lockhart Mortgages will meet with you (at home, at your place of work or wherever suits you best) and learn all about where you are at and what you wish to do.
We need to understand the nature of your deposit and provide advice around meeting banks’ lending criteria.
A loan profile will be provided that helps you understand your options and how much you can afford to borrow from each bank we deal with.
Advice is given on the most appropriate buying strategy for you, types of sale options, property issues to watch out for, reports you may want and reports you must have.
Also, we will advise on the types of properties you should be looking at and those to avoid, ensuring you find a property the banks will find acceptable to lend money against.
Once you have found your dream home, we will get you the best overall deal on the market, great rates and the most appropriate loan package tailored to your requirements.
Lockhart Mortgages has great relationships with specialists that we can recommend to help you protect your purchase.