First home buyer or experienced residential or commercial property investor? We have experience, and specialise, in all of these areas and we love to talk..
Paul Dow
Mortgage and Property Investment Advisor
paul@khproperty.co.nz | 021 615907
Born in Wales, educated in Scotland yet after 30 years in NZ I must profess I’m an All Black supporter through and through (well when they are winning that is!!). I haven’t completely forgotten my roots although I feel cemented in the way of life here and love the lifestyle, the culture, and the kiwi way of life. I have had a successful corporate career bouncing between both Auckland and Wellington working for many large corporates over the years; Microsoft, Vodafone, Hewlett Packard, TVNZ to name a few in a variety of sales roles. I chased the big life and gained skills and experience to become the person I am today.
After 20 years in corporate life, I decided I wanted a change of pace and direction. Call it a midlife crisis or the like!! I had always wanted to work for myself. My wife and I had had the experience of using a Mortgage Broker and found the experience invaluable. He got us the best mortgage structure over our then multiple properties from the comfort of our own home. And so that triggered the idea, then the dream and then this journey began…
After owning over a dozen residential properties over the years I’ve always had an interest in all things property so becoming a mortgage broker seemed the perfect blend of combining my personal interests with my business and commerce experience. Being self-employed but working has allowed me the freedom to be who I want to be and build my business in my own right.
I give unbiased and independent advice without promoting one lenders products over another. This really does mean I can focus on the client’s best interests and make sure you get the best outcome and the right solution for you.
I am a husband and Dad to three teenage children, so I understand the need to stretch money over various buckets – the mortgage, the day-to-day needs of a family, insurance, hobbies, and the never-ending bills. I have been on a number of school boards and a current committee member on Tauranga Property Investors Association committee, am involved in a number of property network groups, and try to contribute to my local community as much as I can. In between that busyness, I am a firm believer in work-life balance. So, when I’m not helping people with their mortgage needs you can usually find me fishing, skiing, heading out on a family bike ride, or catching up with family or friends around the BBQ with a cold beer or two!!
If you are asking yourself as I did, how do I meet my financial demands yet still plan for our future? How do I buy that first home? How do I build a portfolio of investments? Where do I even start? It’s a great time for us to have a chat!
Paul Dow | Mortgage and Property Investment Advisor | 021 615907 | paul@khproperty.co.nz
Feedback from some of Paul’s Clients
““We were lucky enough to find Paul when we needed a broker to purchase a 2nd property. Paul went above and beyond and totally exceeded our expectations. He offered sound ideas and was always available to answer our calls etc. he is personable and professional and you really feel that he is giving your mortgage 150% he got us good rates and perks and we have used him since 4 refinancing. I have and will continue to recommend Paul as a top guy and just who you need to get the best from your lending.””
““With our legal and break fees factored in we will break even on the transaction after the first 6-months. We are now enjoying a streamlined and complexity free banking relationship and have shaved a number of years and thousands of dollars in interest costs off the overall term of our loan! Thanks Paul!””
““We were happy with our bank until we had a couple of questions regarding our mortgage rates so we asked Paul to review the loans. Paul managed to get a much better rate than we had been offered directly from our bank plus he has helped us arrange a review of our insurances which we have also since changed. We sincerely recommend Paul’s services - even better it’s free to you.””
““We had a great experience buying our first home with Paul. He really advocated for us, and we were able to get our dream home with a great mortgage package. He was there every step of the way, took calls outside of normal hours and really made it a priority that we understood all aspects to our mortgage. Paul is quite the character, with a good sense of humor which made such a daunting process enjoyable. We couldn’t recommend him highly enough.””