Emma Boyd - Future Mortgages

Check out our latest blog to learn the secrets of leveraging home equity for a smart property investment. Feel free to reach out if you would like personalised advice! https://www.futuremortgages.co.nz/news/how-to-use-the-equity-in-your-home-to-purchase-an-investment-property

I have some exciting news to share, we are changing our business name!

From here on in instead of being known as Loan Market our business name will be Future Mortgages! The only changes will be our name, branding, website and email address. We are still the same team (myself and Aiden) and everything else will stay as is.

Please check out our new website www.futuremortgages.co.nz and have a read of our latest blogs.

Please reach out if you need anything

Unlock Your Financial Future with Auckland's Home Loan Expert | Future Mortgages Future Mortgages is your go-to mortgage expert in Auckland. Whether you're a first home buyer, investor, or self-employed, we offer expert advice on home loans, refinancing, and mortgages. Let us help you navigate the process and find the best finance options to meet your needs.

The average house price in New Zealand at the end of 2022 was about 10.3% lower than the same time the year before. Could that signal a good time to buy?

Source: qv.co.nz

Is now a good time to invest in property? There are a number of questions to help understand if it is the right move for you. I can help you determine the right strategy and find the finance that can help you achieve your goals.
Source: Ray White

https://www.loanmarket.co.nz/brokers/emma-boyd/products/investment-loans

Whether chasing the seabreeze, moving closer to work or ready to explore more greenspace, you can make the move easier with an adviser. We can sort your finances so you can focus on finding the right property.

https://www.loanmarket.co.nz/brokers/emma-boyd/contact-us

For the first time in over a decade, we are living in a rising-rate environment. With many economists predicting the cash rate will continue to grow, if you have means to and your loan allows, making extra repayments now could save you a lot in the future. Speak to us to set a plan to save.

This calculator can show you how much extra repayments could save you in the long run. https://www.loanmarket.co.nz/brokers/emma-boyd/calculators/extra-mortgage-repayments

There are a number of factors impacting home building costs in New Zealand, which can make financing your new build a little more complicated. As your adviser, I can help you through the process.

Source: CoreLogic

If you’re thinking about investing in property, there are a number of things to consider in today’s property environment. I can talk you through them and look at your current borrowing power. Reach out to get started.

https://www.loanmarket.co.nz/brokers/emma-boyd/contact-us

When was the last time you checked the health of your home loan? With interest rates increasing across the board, it is a good time to check if your loan is still working hard for you.

https://www.loanmarket.co.nz/brokers/emma-boyd/products/refinancing

Is one of your goals this year to get your finances and save for a house deposit or big-ticket item? We can help you understand how much you need to save to achieve your goals.

https://www.loanmarket.co.nz/brokers/emma-boyd/calculators/budget-planner

If you’re thinking about increasing equity in your home, you may be looking at renovating. There are a number of factors that can impact the value a renovation can add to a property.

Happy New Year! Whatever your financial goals this year, we look forward to helping you achieve them

We can help you put forward your strongest application and increase the chances of receiving a yes for your finance. The sooner you engage with us, the better so we can work with you to get your finances in order.

https://www.loanmarket.co.nz/brokers/emma-boyd/contact-us

Walking with you through the process of getting into your first home is what makes my job enjoyable, thanks Rebecca!

You have the goals, we can help make them happen. Your investment journey is made easier with an adviser by your side.

In the year to September 2022, multi-unit homes accounted for 55% of new homes consented, with the highest numbers being in Auckland, Canterbury and Waikato. This is up from the 46% share from the same period the year before and could be an opportunity for investors or first home buyers.

Speak with us to see if this could be a good opportunity for you https://www.loanmarket.co.nz/brokers/emma-boyd/contact-us

Thanks for the great review Millie!

If you’re experiencing any problems due to the current economic conditions, the New Zealand Bankers’ Association says to speak to your bank as soon as possible. We can do this on your behalf and there are a number of possible solutions to ease your challenges.

https://www.loanmarket.co.nz/brokers/emma-boyd/contact-us

Housing prices fell by 1.3% in Aotearoa in October, decreasing from the 1.5% drop in September. This could be a good opportunity to enter the market or grow your property portfolio

I love working with customers and helping them to find a structure that really works for their future goals. Thanks for the great review Jill!

Planning a renovation for your home? We can help you finance it. Come speak to our team to get started.

Making additional repayments to your home loan could save you thousands over the life of the loan. Speak to your broker to get a plan in place to see if you can pay off your loan faster.

Find out how much of a difference any additional repayments can make using this calculator https://www.loanmarket.co.nz/brokers/emma-boyd/calculators/lump-sum-repayment

There are a number of ways you could look to improve your borrowing power - or the amount a lender is willing to lend you.

Make an appointment to find out more ways. https://www.loanmarket.co.nz/brokers/emma-boyd/contact-us

Start your investment journey with a broker as dedicated as yourself.

As interest rates rise, borrowing capacity generally decreases. Despite this, there are ways you can boost your borrowing capacity including paying off existing debts.

Use this calculator to build out your budget - https://www.loanmarket.co.nz/brokers/emma-boyd/calculators/budget-planner

Not sure whether to get a fixed or variable rate or to split your loan? We will assess your situation and financial goals to suggest the right option for you

Is your home prepared? I can help you finance your renovations to weather-proof or make your home more energy efficient!