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Next Door Gisborne Mortgage Broker - We find the right home loan for you
We discuss your financial goals and match your needs to the most competitive loans from thousands of choices
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We negotiate a better deal
We give you access to a range of lenders with special offers and discount interest rates
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It’s simple and fast
We complete all of your paperwork and remove the hassle from the process
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Achieve financial freedom faster
We help you secure your home and your financial freedom
Interest rates are rising!
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Thank you Francine, we couldn’t have purchased our home without your time and effort. We appreciate you and the amazing work you’ve done for us 😊
March 19, 2023Very helpful and great to work with
March 19, 2023Francine is amazing! She helped us from step 1 until we felt comfortable that everything was sorted and didn't mind if we asked 100 questions. She replied promptly and professionally. Would recommend
December 19, 2023 -
Professional, insightful and very easy to communicate with...I would recommend Francine and her team to anyone looking to secure a mortgage.
September 19, 2023Francine has been very helpful to us in assisting with purchasing our first home. She has been guiding us from the very start. She answers all our questions/concerns and communication is no issue at all. She explains very well. We receive regular updates and she emails/txt us what will be our next step. Our home loan application was approved in just a week. She made the process stress free for us. Will definitely recommend her as she is a very good and efficient mortgage adviser.
March 18, 2024Francine really went over and above for us. She made buying our first home a very calm and planned process and made sure we understood what everything meant and what we had to do or could expect to be done for us. We have only good memories of our dealings with her.
October 19, 2023 -
Great service from Francine would highly recommend to anyone looking for a mortgage advisor 👍
March 19, 2023Francine made my first home purchase so easy! She’s easy to speak to and speaks simple English which made my experience so much easier. My application was made during the Christmas break and every email I sent during that time she responded promptly which clearly speaks for itself really… she cares about her clients ❤️ thank you so much Francine, will forever remember you for helping us buy our first home xx
March 19, 2023Thanks so much Next Door Mortgages for all your help in getting us our first home! After talking amongst different mortgage providers Francine was able to secure us by far the best home loan approval, as well as being able to offer genuine and honest advice around all of the financial aspects of us purchasing our first home. Francine was an absolute pleasure to deal with and was always only a phone call or message away if we had any queries. Thanks so much for all your help Francine and Next Door Mortgages! Couldn't be happier - highly recommend!! 🙂
March 19, 2022 -
Great, professional & quick service. Highly recommend Francine and the Team if you are looking at your finance options.
March 19, 2023For us the prospect of getting a mortgage and owning our home seemed daunting and to be fair we weren't really sure we would have a chance. Francine was amazing and guided us through the whole process. She was super patient and offered us sound advice. Next Door Mortgages we are now home owners thanks to you. We are so grateful ❤️🙏
March 19, 2023Thank you Francine for your excellent service and clear communication, your advice on alternative options were very valuable, very informative and easy to engage with, resulting in getting the home that we were after. Highly recommend Next Door mortgages.
March 19, 2023 -
Francine was amazing in helping me get financing to buy my house. We went through many scenarios through my house-hunting journey and she was fantastic at every step.
November 19, 2023Francine was fantastic throughout the whole experience of working with her. She delivers wonderful customer service for first property buyers, prompt communication and is very helpful throughout each step. I would highly recommended Next Door. Thank you, Francine!
March 19, 2023Excellent service not just once but twice. It's a 💯 club from me for sure.
March 16, 2024 -
My application was far from straight forward, with so many complex parts continuously moving, yet Francine continually and consistently rose to the challenge, investigated all possible outcomes and communicated them clearly for transparent, informed decision making. With professional, friendly service, I highly recommend Next Door for all your mortgage broking needs. Thanks Francine!
March 19, 2022Our experience with Next Door Mortgages, and inparticularly Francine was nothing but amazing. From start to finish she listened to our needs, was open and transparent and did what she needed to do to secure us the outcome we wanted with no hassles. We could not be more than happier. We would not hesitate to recommend Francine and Next Door Mortgages as the best in the business in Gizzy!!
September 19, 2023Next Door Mortgages provided incredible service. Francine made the entire process a breeze from start to finish. I cannot fault her knowledge, communication and professionalism. I highly recommend anyone looking for a mortgage broker, to approach Next Door Mortgages. Thanks again Francine.
December 19, 2023
Your local Gisborne mortgage broker
Next Door is your local Gisborne Mortgage Broker. Whether you’re buying your first home, expanding your property investments or reviewing your current mortgage, Next Door will help guide you through the mortgage process.
Property is an important investment and finding the right Gisborne mortgage broker is an important part of the process. Next Door can help you assess your overall financial position, ultimately giving you more freedom, more control and more opportunities.
Our panel of lenders includes the major banks and specialist lenders, allowing Next Door to help you find the best mortgage for you. We can guide you through the numerous structures and find the mortgage that best fits your current lifestyle and future ambitions. Often a simple tweak can help you pay off your mortgage sooner, reducing your total repayments and saving you money.
We keep the process streamlined, saving you the legwork of hunting for a mortgage and making multiple applications to different banks. Next Door make finding a Gisborne mortgage broker an easy process.
Why use Next Door?
- Local Gisborne mortgage broker
We're local and have built strong relationships with real estate agents in the Gisborne area which will help your purchase run smoother -
We find the right loan for you
We discuss your financial goals and match your needs to the most competitive loans from thousands of choices -
We negotiate a better deal
We give you access to a range of lenders with special offers and discount interest rates -
It’s simple and fast
We complete all of your paperwork and remove the hassle from the process -
Achieve financial freedom faster
We help you secure your home and your financial freedom
All Next Door advisers are Financial Advisers and registered with the Financial Markets Authority (FMA). We are governed by a code of ethics, disciplinary procedures and meet standards including training, ongoing product knowledge and hold appropriate indemnity insurance.
Gisborne mortgage broker FAQs
Buying property can be a complicated process. At Next Door we guide our clients through the process, ensuring it’s as straightforward and painless as possible. As your local Gisborne mortgage broker, we've got simple answers to all the hard questions.
- we’ll keep you informed of what’s on offer and weigh up what works best for you now and as your needs evolve
- we’ll review your arrangements and changing circumstances annually, or as often as you need
- we’ll remind you when your fixed term’s ending
- we’ll help you achieve financial freedom faster
A number of factors should be considered when choosing a mortgage in Gisborne, not just the lowest interest rate. The loan structure, fees, term and market conditions need to be considered along with your short and long term goals and aspirations. The size of your deposit will also impact which rates are available to you. Your Next Door adviser will guide you through this process, ensuring your loan matches your needs. Check the latest mortgage interest rates on offer.
- LIM report - a Land Information Memorandum (LIM) report provides a summary of all the property information held by your local council ($200-$400)
- Builder’s report - fees vary depending on who you use ($500-$600)
- Registered valuation - a valuation is usually required to get a mortgage and lenders often stipulate who to use ($500+)
- Legal fees - these vary depending on the complexity of the process and the advice required ($1,000-$2,000)
- Moving costs
- Stormwater or sewage drains
- Any Heritage New Zealand protection
- Special land features such as erosion or flooding
- Any rates owing on the land
- Permits, building consents or requisitions, and other certificates previously issued by the local council or building consent authority
- Zoning – how the land may be used and any conditions that apply
- Any notices to the council by any statutory organisation that has the power to classify land or buildings for any purpose
- Any notices to the council given by any network utility operator under the Building Act
- Any other information that the council thinks is relevant
- Ask your adviser what’s currently on offer and get them to review your current arrangements
- Ask your adviser to talk you through the costs (your current lender may have break fees, and if changing lenders you will need to involve a solicitor which has costs) and benefits (the new lender may pay a cash contribution and may offer more favourable rates)
- Instruct your adviser to help you apply and qualify for your new mortgage
<strong>Topping up your home loan</strong> means extending your borrowing either in the same loan or by taking out an additional loan. Often home renovations such as a new bathroom or kitchen, or adding a pool, or a new car or wedding, are funded by adding to an existing mortgage. Talk to your Next Door adviser about your options.
Non-bank lenders (also known as alternative lenders) play an increasingly important role in the financial market, delivering multi-billions of dollars in loans across the world. They're registered lenders, with loans subject to the same forms of regulation as banks, but with a more flexible set of loan products. Often non-bank lenders are a good choice for self-employed or borrowers who have encountered a major life event that has impacted their credit history (such as a relationship break-up or redundancy/job loss).
The key difference is the way non-bank lenders assess an individual's ability to pay back a loan. They look past credit scores and into a person’s history and life situation to carefully assess their ability to manage the loan, with each case decided on its own merits. Banks are more risk averse - so while someone might be considered too high a risk from a bank’s perspective, non-bank lenders are often willing to take on that risk because they’ve done a comprehensive assessment of that individual's circumstances and financial position.
Next Door's panel of lenders includes the market's best non-bank lenders, ensuring our advisers can scour the market to find a loan that fits your current needs and future aspirations.
If you're looking to consolidate your various loans (car, credit card etc) into your home loan, Next Door can assist, helping to ensure your arrangements reduce your interest and overall costs.
If you're looking at putting in a swimming pool, renovating your kitchen or bathroom, taking that long-overdue holiday or buying a new car and need to top up your home loan, Next Door can help.
- must be over the age of 55
- home must be owned outright or have a standard mortgage that can be paid off by the reverse mortgage
- loan amount depends on borrower's age and the home's value
- Proof of citizenship or permanent residency (passport, birth certificate or permanent resident visa)
- Proof of income (3 recent consecutive payslips, 2 years' financial statements, IRD statement)
- Bank statements (3 months transactional and credit card)
- Proof of deposit (KiwiSaver, savings statement, gifting declaration)
- Expenses (breakdown of current living expenses)