Why Use a Mortgage Broker?

A Mortgage Broker Finds You a Great Home Loan, The Best Terms, and Helps You Get More For Your Money

You need a home loan, but don't know if using a mortgage brokers is right for you. Should you just go to the bank? You may need to know more about how a mortgage broker can help you.

Every day we meet New Zealanders  who have these questions. This is particularly true when they're purchasing their first home. No question about it, buying a home and getting a mortgage is one of the biggest financial decisions you will ever make. It must be done right.

Get it wrong and you could spend thousands of dollars more during the life of your loan. And you could be in debt a lot longer than you should be.

Here is what a mortgage brokers does for you

We are professional mortgage brokers who serve as the intermediate between you and the bank. This saves you from having to talk directly with the bank. Because we are independent, we give you honest, unbiased advice on your best mortgage options.

Here are just some of the things we do for you:

1. Help you clearly understand home buying

2.  Explain lending requirements

3. Help you get pre-approval with at least 2 banks

4. Assist completing paperwork

5. Negotiate with the banks for you

6. Show you the best mortgage choices

7. Submit your application for a loan

8. Manage the loan approval process

9. Help create the best payment plan for you

10. We're here to help when you want to reassess your mortgage

Reasons to use a mortgage broker

Right now just 30% of people work with a mortgage broker when they buy a home. Frankly this is surprising when you know all the great benefits that come with working with a qualified mortgage broker. Below are some of the most compelling reasons to work with us.

Our service is FREE! You don't have to pay for our service. It's provided at no cost to you. The banks we work with pay our fees.

You save lots of money. Saving money on your mortgage each month leaves much more cash in your pocket. You can afford more in life with less pressure to pay a big mortgage each month. Getting a great, affordable mortgage is like giving yourself a pay raise. We often get you interest rates that are lower than what you could find on your own. But most importantly, we make sure you have the right loan structure. This can help you pay off your mortgage just as fast as possible while keeping payments affordable. This helps you save thousands of dollars over time.

Helpful service you can trust. Buying a home can be a rather complicated process. You will need help from experienced experts. It's nice to be able to turn to us, your professional mortgage broker, when you need assistance. We work to become part of your team to answer your questions, keep you informed, give you valuable advice, guide you through the process, and negotiate the best bank terms for you.

Pre-Approval is your first step. We help you get pre-approved for a mortgage. Once you know exactly how big a loan you can get, you're ready to purchase your home. We help you get pre-approval fast without hassles.

We save you lots of time. Getting a home loan can seem to take forever. As expert mortgage brokers we fully understand the loan process. We also know key people at banks and how their processes work. This lets us maneuver through the loan process much more quickly. You get your dream home much faster!

Much less stress. We take the hassle out of buying your home, getting the right loan, and completing the extensive paperwork. We also do all the analysis and negotiation for you to make sure you get the best possible loan.

When you consider our service is provided absolutely FREE to you, it just makes sense to work with a qualified mortgage broker.

Contact us now for your no-obligation discussion of all we can do for you. We will help you get started toward financing your new home.

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Why AMP City

Personalised Advice Service

Insurance and financial planning is not about “one size fits all”.  We will provide personalised advice and service that works in the best interests of you, your family and your business. 

Professional team

Our Advisers are professional with industry relevant qualifications, who pride themselves on keeping up with current trends while also meeting regulatory requirements.

AMP Services Ltd

AMP City works under the umbrella of AMP Services Limited which has Qualifying Financial Entity status with the Financial Markets Authority (FMA) which gives you added financial protection and peace of mind.

Better Terms

The insurance and lending terms that we put forward we're confident that they can meet your needs better than those of any other broker or adviser in terms of advice, service, and product.

No queue waiting

You will not stand in a queue waiting to see one of our Advisers. We pride ourselves on being easily accessible to our clients, in our office or at your home, at a time that suits you.

No Fees

The premiums and products we offer are direct from the insurance companies and banks - so you can expect NO hidden administration fee or broker fee

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