Are You Starting the Homebuying Process? Meet with a Mortgage Broker and Advisor in Hamilton

If you’re in the process of buying a home in NZ, then it pays to start thinking about mortgage financing early. The more you know about the loan you can get—in terms of size, interest rate and other terms—the more strategic you can be about choosing a house, making an offer, negotiating a sales price, and finalising the deal. At Total Mortgages, our mortgage brokers in Hamilton are standing by to help you with this crucial but difficult part of the homebuying process.

Shopping for Mortgage Loans: What to Know

If you’re on the hunt for a mortgage in Hamilton, the smartest thing you can do is to shop around. Think about it this way: as you search for a new home, you are probably visiting multiple properties for showings or open houses. You are looking around to see what you like, to get a sense of what the market is like, and to figure out how much home you can afford based on factors such as location and features. In other words, you aren’t buying the first house you see.

You also shouldn’t take the first mortgage loan you’re offered. Especially if you are buying your first house, you might not know a whole lot about interest rates, discounts, or other factors that might affect a mortgage loan offer. The ability to tell a good mortgage loan offer from a bad one is something that comes with time and experience. The fact that many buyers don’t have this skill is not a bad thing, nor is it surprising. However, it does underline the importance of shopping around and looking at multiple offers from multiple different lenders.

Total Mortgages: Helping You Navigate the Labyrinth of Hamilton Mortgage Brokers

At Total Mortgages, it’s our job to help you find and consider multiple mortgage loan options. We have connections with 16 different banks and lenders, as well as the negotiating position to help you get better deals. We can give you access to thousands of options—all via the same mortgage application. Simply put, we make shopping for a mortgage loan easier and more straightforward than ever before.

The Internet has made it easier to shop for just about everything. It’s put pricing comparisons, pro and con lists, details about interest rates, and other information at our fingertips. Despite all this information being so accessible, though, many homebuyers are still navigating the mortgage labyrinth in the traditional way: by meeting with individual bankers, filling out separate applications and getting multiple mortgage loan offers directly.

At Total Mortgages, we simplify this process considerably. You fill out one application, we submit it to our lenders and come back to you with multiple options. We then advise you on your mortgage loan choices, working with you to choose the loan that makes sense for you given your current circumstances. This process involves less work on your part but will typically still yield more satisfying results.

Are you interested in meeting with our mortgage advisors in Hamilton? You are invited to schedule a free consultation with our team today. We look forward to meeting with you and learning about your home buying goals.