Do you want to own a home but have doubts about your ability to reach that goal?
As mortgage brokers, we hear all sorts of doubts that our clients experience, such as:
- Ability to save for a deposit.
- Ability to afford mortgage repayments.
- Bad/no credit or too much short-term debt.
- Fluctuating house prices.
- Added costs such as insurance, valuations and legal fees.
Quite often, the lack of action manifests from a place of uncertainty, absence of information or anxiety.
Fortunately, these doubts can be easily resolved simply by talking with someone who knows what they are doing.
Do you say these things to yourself?
I want to buy a house, but don’t know where to start.
I have existing debt that stops me from applying for a mortgage.
I don’t earn enough.
I don’t have enough deposit.
Someone has told me that my credit record will stop me from buying a house.
All it takes is one conversation to find out if these doubts will actually make a difference to your ability to buy a house.
And if they do right now – we can help you to take steps to get into a better position to buy a house down the track.
Contact Tim on 021 0295 6499 to arrange a chat.
Tim Oliver is an Authorised Financial Adviser and director of First Mortgages NZ Ltd and Oliver Financial Planning Ltd. The information provided in this article is not intended to constitute advice to any person.