Bringing you home by solving your financial needs
The Finance Factory is an expert financial advisory brokerage that ensures our customers are minimizing their interest costs, maximizing their tax efficiency, and optimizing debt against their assets.
Finance is front and centre when it comes to buying your first home, building an investment portfolio, becoming debt-free or upgrading your home. It isn’t about getting the fastest loan approval; it’s about getting the right loan for the individual circumstances. Setting up a lending structure to allow you to seamlessly grow your acquisitions over time is as important as finding the greatest deals in the market. Without a proper finance solution, you can be left missing out on the deal of the century. Set it up once, set it upright.
Our strategy is to provide you with the best team of mortgage specialists who will offer you expert guidance by identifying your current situation and your mortgage goals to secure you with the right loan for your position.
Becoming Mortgage Free
Imagine owning your home, debt-free. That is the Kiwi dream. Although it can be a big financial commitment, The Finance Factory is here to help. We can help you strategically pay down your mortgage as fast as possible to make the impossible, possible. It is amazing what small things you can do to take years off your mortgage.
Upgrading Your Home
Do you fancy a change in scenery, or have you outgrown your current home? They say everything is easier the second time around, and with the equity you have built up in your current home, you are in a good financial position. You might have questions like, “should I buy or sell first?” or “what happens to my mortgage when I move?” Let’s work together to help you understand how you are currently positioned to buy your next home. We will help answer your questions, utilize your equity, and make buying your second or third property purchase an enjoyable one.
Investment Lending
Whether it is your first investment property or your fifth, having the right advice and strategy is key. Investment lending requires an expert broker to ensure loans are set up for their specific purposes. Sadly, not all brokers are created equal and often the path of least resistance wins over the best loan structure. We ensure you are minimizing your exposure and maximizing banking facilities all while ensuring your best interests are front and centre.
The Team at The Finance Factory have relationships with multiple banks and not only know the bank policies, but can help you adapt your application, so it fits with each policy. More lenders, more choice, and a better deal!
First Home Buyers
Are you ready to get onto the property ladder? We know it can be daunting buying your first home. However, we’ve helped many Kiwis get into their first home and we’re ready to help you. Whether you have found your perfect first home or are getting ready to start your hunt, we will make sure that you have your financing sorted.
The Finance Factory will work with you to create your application and present it to the banks most likely to approve your loan while ensuring you take advantage of the banks and government offers and tools for first home buyers. Not to mention we will run your mortgage admin and communicate with the banks for you.
Refinance Your Mortgage
Refinancing is a normal part of homeownership; it could save you thousands in interest allowing you to spend or save for other areas of your life. It’s a common misconception that reviewing your mortgage is a lot of stress and additional paperwork for little or no reward. However, chances are the value of your home has gone up during the time you have owned it, giving you the ability to access cash to pay off high-interest rate debt, fund other purchases, or pay for any immediate financial commitments.
What will the process look like?
Step one, using the link below book a time that suits you for one of our team to call and chat through your numbers. We will utilize this time to understand your wants and needs, as well as what you want to achieve through buying your first home or property investment, becoming mortgage-free, or upgrading your home.
Next, we will put together your loan application. We will send it to the lenders we know are most likely to offer you the best deal and approve your loan. More options mean better rates. This rate will reflect the best structure to suit your lifestyle.
Throughout the entire process, we will assist you with meeting any of the bank’s policies and we can recommend other professionals you might need throughout your property journey. We will negotiate the best interest rate with the banks and make sure we are setting up your loans so you can be mortgage-free faster or continue borrowing money in the long term.
For us, you’re a customer for life and your advisor is always just a call away. We offer ongoing support and advice at all stages of your property journey.