Looking for a home or construction loan, vehicle finance or just a little extra to do something special? Big or small, we can help find the money you need.
Home loans
You could go from bank to bank trying to get the best rate. Or we could do it for you.
Whether you’re a first-home buyer or a seasoned investor, we have an in-depth and up-to-date understanding of bank policies and know which lenders are likely to approve your mortgage. We get to know your financial situation to help you secure the lending you need and negotiate the best rate for you.
“I didn’t realise how beneficial a mortgage broker could be. Neil and the team at 360 got us a better rate than we could have found on our own and they didn’t even charge us for doing it.”
Application declined?
Just because one bank has said no, doesn’t mean you can’t get lending. Different lenders have different requirements. If you’re struggling with proof of income or a lower deposit, there are still options available and we can explore them for you.
Building or renovating
While it’s the kiwi dream to build a home that meets your needs, when it comes to lending, construction loans are a different kettle of fish. With so many variables, building a home can be stressful enough without the added stress of a loan that doesn’t meet your needs.
If you’re building or renovating (over a certain level, renovations can also be considered construction loans), it’s worth having a chat to find out how to best fund your dream home. While one bank may not see the value in funding your modest home, another may approve marble floors. It’s all about knowing who to talk to. Here’s a clue - it's us.
Personal loans
Need to replace your car, getting married, or really need a holiday? A personal loan can make things a whole lot easier. Rates vary wildly from one lender to another and you may qualify for a lower rate than you think. Understanding where you stand now is the first step to helping you find the loan that works for you. Call us to talk through your options.
Debt consolidation
If your debt is becoming hard to manage, debt consolidation is a good way to regain control of your money. With so many offers available, it can be hard to know where to start. We can help. We’ll help you bring your debts together into one loan at the best rate possible.