Let us help you achieve your dream!
Quantum Financial Advisers provide you with the best residential loans in the market. Save yourself time and money by stopping the guessing game. Allow our experience to work for you. Banks don’t usually tell you about their competitions deals. They can only tell you what residential mortgages they offer. As professional mortgage brokers Quantum Financial Advisers find you the right residential home loan from all mortgage providers that best suits you.
“The Quantum finance team helped us achieve our dream of buying our own home!”
If you have an existing mortgage, are you sure you have the right home loan with low fees? We provide independent loan advice so even if you have had a residential loan with your bank for 20 years we can make sure you are getting the best deal.
When you start looking at residential mortgages for the first time it can be confusing. Finding a home loan is a decision you should not rush into. Quantum Financial Advisers are professional residential mortgage brokers and financial advisers. It’s our job to provide you with the best residential home loans available to you.
Contact us for more information on buying a home or an investment property, a review of your current residential mortgage, or any of the options above. Or complete the enquiry form and one of our specialist residential mortgage brokers will contact you today.
Low deposit home loans for first home buyers
Have you dreamed of owning your very own piece of New Zealand but never thought it was possible because of the deposit you need?
We can obtain up to 90% of the purchase price of a residential property and maybe even higher with a guarantor, although conditions would apply.
We also have non-bank lenders that will consider applications with as little as a 5% deposit.
You may be able to withdraw most of your KiwiSaver to finance a deposit on your first home purchase. There are special financial circumstances that allow second chance home owners to also withdraw their KiwiSaver. You may also be eligible for a HomeStart Grant. Check it out at www.hnzc.co.nz
It feels fantastic when everything is going right financially. When your house is perfect with a white picket fence, the kids are doing great at school and the boat you just bought is running well. However, sometimes you can get sick, lose your job, or you are unable to work. Sometimes life events can affect your ability to make your mortgage repayments.
At Quantum our team has access to financial lenders who understand that life has its ups and downs and sometimes people just need a little financial help to get back on track.
Low Doc Loans
Being self-employed has many benefits but traditionally borrowing money can prove to be difficult. This is sometimes due to a lack of financial information or low net profit. Generally financial institutions like to see the last three years of a self-employed applicant’s financial history. Financial lenders tend to average your income out over a three-year period. So even though you know you can afford it, the banks say no to lending you money.
Let Quantum Financial Advisers help you with a low documentation financial loans. The main difference is based on how much you can borrow, the size of the loan, the loan to value ratio as well as current finance interest rates. With a low doc loan, you don’t need to provide tax returns and financial statements and you don’t need to prove rental income when buying a rental property.
Bad credit loans
Most banks approve loans based on certain criteria and one of them is your ability to repay a loan. This is usually based on your business net profit after expenses, or by looking at payslips averaged out over 12 months. These criteria do not always suit everyone, for example if you have only just started a business, or you’ve only been in a job for a short amount of time. Or you may have current financial reports, but you may have a default or a judgement on your credit rating.
Perhaps your credit risk is ok, you have financials and you need to consolidate debt. However, because you have fallen behind in repayments the banks won’t give you a loan. If you have property to borrow money against and an understanding of your potential earnings for the next 12 months, then a non-conforming loan may be the financial solution for you.
“Having a no obligation non-judgmental discussion with a professional financial adviser was a relief.”
We will provide you with a financial solution to get you on track. With a detailed plan to take you from a non-conforming financial loan to a much cheaper fully documented financial loan when you can.
I am often reminded every day, that for most people if their mortgage was their shoe, they tend to walk around with a pebble in it for a long time. While they know that stopping and taking the shoe off to shake the pebble out, will make a world of difference, stopping and reviewing their mortgage is something few are inclined to do. You may be paying $20 – $30 everyday too much for your mortgage.
Life changes a lot over 2 and 3 years and it’s so important that you make sure your mortgage features and interest rate is still the best for you. And when you do, there is a feeling of comfort and relief that you are getting the best deal you can.
Conducting a mortgage review with us is as easy as removing a pebble in your shoe. We can do it over the phone.
Hitting retirement age can certainly create challenges. Especially if living the lifestyle that you wanted isn’t quite working out. Many retirees are asset rich and cash flow poor. A Reverse mortgage could provide a way to unlock the equity in your property with mortgage repayments not effecting your cash flow.