MY BANK SAID NO OR YOU HAVE TO WAIT 3 MONTHS
NON BANK OR SECOND TIER LENDER SOLUTIONS TO HELP YOU WHEN YOUR BANK JUST SAYS NO OR IS JUST TOO SLOW!
Every individual or business is in a unique financial situation and what works for one person may not work for another. At First Rate Mortgages, we are mortgage advisers specialising in Non Bank home loans and business lending that the traditional Banks can’t always help with, as it is outside their lending criteria or you find it hard to prove your income.
Dealing with second tier lenders in NZ offers a unique solution for many individual borrowers. This includes those that are self-employed or business owners, who want to borrow against home equity for payment of IRD tax arrears, additional capital, saving a mortgagee sale, helping a family, or applying for a bad credit home loan. Just getting on the property ladder is a dream for so many people.
Many businesses require a short term loan or business line of credit for working capital on an unsecured basis. We have now added online applications for secured and unsecured business finance to our Non Bank website. Finance can be available within 24 hours!
If you are looking for an investment property, building a home or a new home buyer and you are still awaiting approval of your Bank home loan application, is it time to look elsewhere? You may have also encountered resistance with your application as you have had a poor credit history in the past, then we are here to assist with your loan application process. Dealing with a large number of Non Bank lenders and private mortgage providers means we can look at non-traditional lending solutions to help you, even with only a 20% deposit.
We have helped so many clients who have had a bad credit history, high credit card debt, a declined mortgage application, difficulty being able to provide evidence of their income or clients who just don’t fit their Bank’s credit policy. First Rate Mortgages can also consider applicants for urgent short term settlements if you are having trouble seeking a quick home loan settlement.
We can also help you find a Non Bank lending option to get you back on top of your monthly repayments or get a home loan approved to help you buy that second home or commercial property that you have always wanted.
Solving problems with solutions. Chat to one of our friendly, experienced mortgage brokers today – when your Bank said no or is just too slow!
HOW CAN WE HELP YOU?
Second mortgages can be a solution if your Bank has refused a top-up on your home loan or commercial mortgage. We specialise in working with clients to successfully apply for a second mortgage, often this is a quick short term solution for you and we have access to a wide range of Non Bank lending options.