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..
Property with Your Best Interests at Heart
Why You Need a Mortgage Advisor in Your Corner:
We understand the banks
Not all banks are the same - and neither is everyone’s situation or needs. We understand how to match lenders with clients’ needs and profiles.
repayment structure guidance
Different lenders allow different levels of extra mortgage payments over and above your minimum contracted payments - making the difference between paying your mortgage off years early - we know the different offerings of all of the lenders (bank and non-bank).
Guidance navigating KiwiSaver
First Home Buyers | We understand how to navigate the KiwiSaver process and we know which lenders are more suitable to you.
SIMPLE PROCESSES MAKE YOUR LIFE EASIER
Deal once with a Mortgage Advisor versus 3 or 4 visits/calls to different banks that use different processes and have different policies.
we know property like the back of our hand
We live and breath the process of buying a first home or buying another investment property.
we know what’s important
Structure and products are as important as rates - although we tend to get the best interest rates and cash contributions for our clients, we are equally focused on ensuring the right structure for their situation and goals.
strategies to leverage existing securities
Investors | we work with you to minimise the security you offer to lenders and work on strategies to leverage existing securities as much as possible – be it with banks or non-banks.
We work for your best interests
Mortgage Advisors work for their clients as their priority – we understand all the options for our clients – not just one.
NEGOTIATION DONE FOR YOU
Often, Mortgage Advisors will negotiate the best interest rates – we know how and who to negotiate with at any time in the market. Different lenders have different specials on at different times or are offering larger cash contribution incentives at different times.
NO COST TO YOU
In almost every single instance, the bank pays the broker…so it doesn’t cost you.
Explore Our Property Advisory Services:
Development or Renovation Project
Want to convert the downstairs into a granny flat or airbnb option?
Want to subdivide that Massive Section?
Want to completely renovate and refurbish to make your house into the home you always wanted?
Want to build that outdoor patio and fireplace?
Swimming Pool and Landscaping?
We can help you with all of the above and more - just drop us a line and we will be in touch.
First Home Buyers
It can be a daunting process.
However, we know our LVR’s, First Home Grants, First Home Loans and Kiwisaver and how to work with the banks to get that loan approved, get into that first home and onto the property ladder.
Investors
STARTING OR GROWING YOUR PORTFOLIO
Whether it’s your first, third or tenth investment property, we have clients with large portfolios AND we are, or have been, multi-property investors ourselves.
We love sharing our stories of success…but just as importantly, we are happy to help you avoid making some of the mistakes we have made with our personal property investments along the way too!
Reach out and leverage our knowledge - we are happy to share.
Paul is Always in Your Corner
Why Choose Paul?
Paul has personally owned close to a dozen rental properties, he’s seen a few property cycles. He’s an experienced mortgage advisor with access to main bank and non-bank lenders, and he ONLY works for his clients best interests.
Call Paul on 021 615907
Email: paul@khproperty.co.nz
WHAT PAUL’S CLIENT’S HAD TO SAY ABOUT THEIR EXPERIENCE:
““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.””
““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.””
““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 used Paul Dow last year to reassess our mortgages across our Investment portfolio even though we were mid-term on most. Paul’s analysis was top notch showing that by breaking some and moving to another lender we could radically reduce our interest rates, spread our risk between lenders, optimise our structure and minimise the securities the banks were required to hold. We even got a cash incentive which more than covered the cost of the change. It was a Win-win for us and we are very happy with the outcome””
““I was struggling to get a clear view of my options when it came time to renew my mortgage. Paul provided options for staying with my existing bank or moving, with a balanced view for me, not what’s best for him.
Although I decided to stay we’re going to structure things differently to make my money work better.
I’d have no hesitation in recommending Paul to anyone looking to take out or reset their mortgage. Thank you Paul, greatly appreciated.””
““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.””
“Paul has been amazing, assisting us with purchasing our first home. He put us in contact with the right people and has helped us every step of the way. Paul has stayed in continuous contact with us, expedited communications and nothing was ever a hassle. He has made this a lot less stressful and a pleasure. Sincerely thank you so much Paul! We will not hesitate to use your services in the future , and cannot recommend you to others enough!”
““Paul is great! His knowledge of the property market is absolutely top notch and the options he provided around how to structure our lending were spot on! I highly recommend talking to Paul if you are looking to buy, refinance or consider moving into property investment. Thanks Paul!””
“We used Paul to secure funding for our first investment property in Wanganui. Paul has been fantastic to deal with, and I am happy with the outcome we achieved. Some key points that would describe my dealings with Paul would be: 1) Professionally written emails that are helpful and clearly explain things 2) Very responsive, getting things turned around quickly, without me having to go and chase 3) Knowledgeable, presents the options, but ultimately it was our decision which way to go without any pressure. Overall I have no hesitations recommending Paul, and I’m sure you will experience the above also.”