Mortgage Broker Westgate

Most of the housing around Westgate is new or recent: terraces, townhouses and standalone homes from group builders, plus off-the-plan sales still coming through. New builds are generally exempt from the standard LVR restrictions, so a buyer could get in with a smaller deposit than they'd need for an older home elsewhere in Auckland. The detail matters, though. Progress payments, sunset clauses, valuations that come in under the contract price and keeping your approval alive until completion are where these purchases can go wrong, and they're what Nick deals with week in, week out.

A lot of Westgate buyers are first home buyers or young families, and many are working with KiwiSaver, the First Home Loan or a family guarantee. Others bought a few years ago and are now looking at a refix, a top-up for landscaping or a second property. Nick looks across the market rather than at one bank's policy, and structures lending around where you want to be in five or ten years, not just the rate today.

Because Nick's office is at Northwest, Westgate clients can pop in, meet over a coffee or keep it to phone and video. Whatever suits you, the aim is the same: get your finance sorted early so you can move quickly when the right property comes up.