Mortgage Matters

6 mortgagematters

Why use a Mortgage Adviser?

Most people think that you use brokers for when your situation is outside the norm. However, a number of people are discovering that a good adviser can add value to their situation in a number of ways. 1) Time saving: The job of the client is to find or sell the home; the adviser’s is to organise the finance and help you with the workload.

2) Access to a number of lenders: Would you go to a retailer with just one product on the shelf? Probably not. Advisers will have access to a number of lenders; providing a variety of options depending on your circumstances. 3) Competitive rates: Every week, advisers receive interest rates from a variety of lenders and are able to get a picture of what discounts are out there. Depending on your situation, some of these discounts are more than what is advertised. 4) Knowledge of Bank criteria: 90% of banking criteria is roughly the same; the remaining 10% difference allows the banks to create their own point of difference or niche in the market. A good broker will have a handle on these differences.

5) Most of the time, mortgage advisers are free of charge for bank lending. (Fees may apply for commercial or second tier lending). For further details, feel free to contact Ivan on 09 427 5870 or 0275 775 995 or email ivan.urlich@mikepero.co.nz

Ivan Urlich is a registered financial adviser, specialising in mortgages. His disclosure statement is available on request, free of charge.

We are enrolling new patients now and welcome new families to the Hibiscus Coast We also see casual patients if your Doctor is closed or may not be able to see you Ivan Urlich

REGISTERED FINANCIAL ADVISOR / MORTGAGE ADVISOR Graduate Diploma in Business Studies National Certificate in Finance and Insurance Services Level 5 Bachelors Degree in Town Planning

P 09 427 5870 M 027 577 5995 E ivan@ivanurlich.co.nz www.mikepero.co.nz

Mike Pero (New Zealand) Ltd PO Box 310-166 Red Beach, Auckland 0945

Ph (09) 427 9997

7 Polarity Rise, Silverdale

(Corner of Millwater Parkway and Hibiscus Coast Highway)

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