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Expert Home Mortgage Broker NZ

If you are in search of a home mortgage broker NZ, you should definitely consider APM Finance a company owned by Kakapo Consultants. This company has been in the business of offering online personal loans since the early part of the 2000’s. Their professional and helpful team specializes in helping you to find an affordable and suitable solution to assist you in buying a home.

Mortgage And First Home Loan Experts

If you are not sure about the type of home loan that you can apply for, APM finance is a professional home mortgage broker NZ that can help you through the process. This company will work for you to make sure you are able to get the best rates and deals on a home loan.

APM Finance work with a number of financial institutions in order to arrive at the very best rates for the loan you decide on. Here are a few of the home loans that this home mortgage broker NZ can assist you with:

  • Self Employed Mortgages
  • Non-Bank Lending
  • Bad Credit Mortgages
  • Low Documentation Lending
  • First Home Buyers
  • Kiwisaver Home Loans
  • Welcome Home Loans
  • Bridging Loans
  • Bank Mortgages
  • New Home Builds

Non-Bank Bad Credit Home Lending

Unexpected events, losing a job, illness or significant and large bills can make it just about impossible to manage your mortgage payments. When you fall behind on land rates and mortgage payments, your lender may be forced to sell your home at a mortgagee sale if you fail to take action as soon as possible.

APM Finance is a company that you can turn to that will assist you in every stage of the arrears process on your mortgage, even when the PLA has expired. They will require access to your current financial position so that they can give you advice on the solutions to sort out your mortgage. This could involve taking out a 2nd mortgage, or taking out complete refinance with another temporary lender so that you are given a chance to stabilize your finances. This home mortgage broker NZ, can also assist you in selling the home while making sure you do not have the stigma attached to your name of the mortgagee sale.

Experts In Low Document And Self Employed Home Lending

People who are self-employed often find it a very difficult task to get a bank mortgage in order to buy a home. APM Finance can assist you in the following way:

  • Loans for the self-employed borrower with only 6 months proof of trading history
  • No ongoing or monthly fees
  • No Financials Required
  • Unlimited cash up to 80% LVR ( conditions will apply)
  • Income-verification options that are flexible
  • The main focus on the “low documentation” products is described as asset-based lending which is aimed at the borrowers that find it difficult to prove their income, because they are usually self-employed. The Low Documentation lending is regarded as “asset based lending” opposed to “income-based lending” which is typically offered by the banks.

If you are buying a home for the first time, or you have had a few indiscretions in regards to your financial past, or you are behind on your mortgages, give APM Finance a call to find out about the type of financial solutions that are available to make your life a lot easier.

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What To Expect From Roof Inspections Canterbury

When was the last time you checked the condition of your roof? As a responsible homeowner, you need to make sure that the roof above your home remains in tiptop condition to serve its function optimally. But inspecting your roof extends beyond looking for missing shingles. It’s recommended to work with a professional roofer to help make the proper evaluations. Keep reading to learn what you can expect from professional roof inspections Canterbury.

An expert roofer can provide an accurate assessment of your roof’s current condition. It’s worth noting that this process doesn’t only involve climbing up the roof. In fact, the first step is a full interior roof inspection. The roofer will go up the attic to check the insulation. In most cases, this involves assessing R-value. Moisture and mold inspections may also be done if signs of damages are seen. Proper ventilation of the attic will also be checked.

After checking the attic, the next step in roof inspections Canterbury is a full exterior inspection. This is when the professional will climb up the roof to inspect for wear and tear. An untrained eye may not be able to see signs of damage, so it’s best to leave this job to an experienced roofer. Some of the most common problems to check for include leaks, missing roof shingles, chimney work, and flashing.

Now that the roofer has inspected both the interior and exterior, it’s time to formulate an action plan. The professional will explain the state of your roof and what must be done to restore it to its previous shape. Do not hesitate to ask questions. You may not be familiar with the technical jargon coming out of the roofer’s mouth. Investing blindly will not do you any favors, so clarify anything that doesn’t make sense to you.

Once everything has been made clear, it’s time to get an estimate for roof inspections Canterbury. Make sure to get everything in writing. Never settle on a handshake deal. Ask for a written estimate from the contractor, which must include all the details of the project. Review the estimate carefully so you can see where you’re investing your money. Watch out for any hidden charges.

It’s also recommended to interview multiple service providers. There are plenty of roofers in Canterbury, but not all of them are created the same. You might be tempted to rush the process, but this could lead to hiring somebody who isn’t qualified for the job. By talking to several roofers, you can compare their expertise and rates. Ask for a written estimate from all of them to get an idea of who can give you the most bang for your buck.

These are the things you can expect from roof inspections Canterbury. Even if you have DIY skills, a roofer should be hired for this particular task because of the inherent dangers involved. Also, you may not be able to spot signs of damage in the same way a professional can. The money you spend will be worth it as you can ensure that the right methods and materials will be used to restore the condition of your roof.

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