Mortgage

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Mortgages & Commercial Loans

Nearly half of New Zealand’s home buyers now use mortgage advisers to secure a home loan rather than approaching their banks or lenders directly. We are independent and partner with all the major banks. This means we are not linked with any one bank or lender and work in your best interests to provide you with unbiased advice.

    We specialize in
  • Home loans
  • Debt consolidation
  • Commercial loans
  • Business loans

Are you ready to buy?

Arranging your finance or pre-approval first helps you set your own limit and better position you for a successful negotiation.

Your GMIL financial adviser can help you:

Find out how much you can borrow.
Apply for home loan pre-approval.
Arrange finance before selling your existing home loan.
Establish how your existing loan shapes up.

With so many home finance options in the market, a GMIL financial adviser will be the first person you visit before you even start looking for your home.

GMIL is a partner with all the major banks.

Some important tips to consider when going for home loan.

Nearly half of New Zealand’s home buyers now use a mortgage broker to secure a home loan rather than approaching their banks or lenders directly.

To help you choose a good mortgage adviser consider the following tips:

Do your Research  - Does the broker belong to a reputable industry association? Is the broker independent or does he only deal with a certain lender?
Competitive loans  - Do they offer a wide range of competitive loans from a variety of independent lenders?
Upfront fees  - Has the broker been upfront and disclosed all fees and commissions prior to signing up?
Best interest  - Is the loan advice and recommendation in your best interest? Be aware that brokers receiving commissions or kickbacks from lenders may recommend the loan that gives them the biggest commission.
Professional service  - What qualification and accreditations does the broker have?
Save you time and money  - Some brokers may require you to pay them a fee if they successfully obtain an offer of finance even if the interest rate and conditions on the loan do not suit your needs. GMIL financial adviser will save you time and money with a competitive home loan and flexible features.
Lender vs. Broker  - Is the broker a lender as well as a broker? This may affect their recommendations and impartiality.
Loan Insurance  - Does the institution have a dispute resolution system in place? Do they have professional indemnity insurance?
Privacy - What happens with your personal information? Are your home loan assessments confidential? GMIL financial adviser have the best interest of all your funding needs at heart. Showing you the home finance loans available, helping you choose the right home loan for your finance needs, getting it approved, settled and staying in touch afterward, and then monitoring both your changing circumstances along with interest rates to make sure that your loan is still working for you years after settlement. Not all brokers are the same, so it is important to find a broker who is experienced, has strong relationships with lender assessment teams and is knowledgeable on loan products, loan assessments process, time frames and most importantly, a broker that you feel comfortable with.