Ruan Chryssafis - Mortgage Broker

If you are looking to enter the housing market for the first time, we are here to help!
During the coming week, we will give you 5 tips that may make your journey a little more understandable.
Don't hesitate to get in touch with us for more information and assistance!

📲 Ruan Chryssafis - 021901702
🔑 Options Always, In All Ways!

- Posted by Alma, Vega admin

Do high mortgage rates stress you as a buyer? Remember, you can always refinance when the rates drop!
We work with both main banks and non-bank lenders to find the best solution for you.
Let's Chat!

📲 Ruan Chryssafis - 021901702
🔑 Options Always, In All Ways!

- Posted by Alma, Vega admin

Are you a small or medium-sized business looking to grow? Having access to funds is crucial if you need them for expansion, new equipment, or working capital.
Ruan can put you in touch with the right person to discuss your business loan options and find the right fit for you

📲 Ruan Chryssafis - 021901702
🔑 Options Always, In All Ways!

- Posted by Alma, Vega admin

We provide peace of mind by ensuring you are adequately protected against obstacles life often throws our way.
Life and Health Insurance, Trauma Cover, Income Protection, and Business Insurance.

📲 Ruan Chryssafis - 021901702
🔑 Options Always, in All Ways!


-Posted by Alma, Vega admin

CoreLogic NZ's May Housing Chart Pack revealed insights into property purchases by different buyer types.
In April, the share of Movers increased to 27% from 26% in Q1 2024.
First-home buyers remain a strong presence in the market, holding a 25% share of purchases. They are benefiting from lower house prices compared to the peak, facing less competition from other buyer groups, and receiving support such as KiwiSaver and access to low-deposit home loans.

Stay tuned for more updates on the property market!

📲 Ruan Chryssafis - 021901702
🔑 Options Always, In All Ways!


- Posted by Alma, Vega admin

An informative article to read whilst enjoying a hot cuppa on a cold morning! Any questions - please reach out!

📲 Ruan Chryssafis - 021901702
🔑 Options Always, In All Ways!

- Posted by Alma, Vega admin

The big home loan shake-up on July 1 - who’ll come out on top? The five things you need to know about the housing market this week.

What’s the BEST mortgage product?
The word BEST is subjective when it comes to financial products because not every product will meet the needs or be most suitable for everyone. When reviewing your mortgage or taking out a new mortgage, the BEST person to have on your side is a Mortgage Adviser.
It’s important to have products that best suit your vision, future plans, whether you’ll move, whether you’ll want to borrow more against a property or maybe even want to pay a lump sum off of your mortgage. In addition to this there’s factors such as LVR (deposit/equity) and affordability that need to be taken into consideration.
The loan structure of a mortgage is also extremely important, and individual considerations will be based on the above factors too. Whether you fix or have your mortgage on a floating structure is dependent on several factors:
• Your risk appetite
• Whether you want to sell your property in the short term
• Whether utilising an offset or revolving credit facility is best for you
• Interest only or principle and interest repayments (this can be dependent on affordability or, whether you have an owner-occupied or investment property)
Essentially, it is proven that using a Mortgage Adviser makes you better off because they consider your personal situation, future plans and can advise accordingly! Let's chat!!

📲 Ruan Chryssafis - 021901702
🔑 Options Always, In All Ways!


- Posted by Alma, Vega admin

What does Trauma Insurance cover?
Trauma Cover products pay out a sum of money if you are diagnosed with or suffer from one of the large numbers of listed serious health conditions.
These conditions include Cancer, Heart Attack, Stroke and many more.
Trauma Cover products are often used as a ‘recovery fund’ providing you with the money to pursue treatment options or to cover any additional costs needed to get back on your feet after a serious illness or injury.
Speak to Ruan today about Trauma cover....

📲 Ruan Chryssafis - 021901702
🔑 Options Always, in All Ways!


-Posted by Alma, Vega admin

Having a space that makes you happy and reflects who you are is more important than people might think! Your home impacts so many aspects of your life, and while it doesn't have to be perfect, it should be a reflection of you and a place that inspires you.
Contact us today and let's make your dream home a reality! ✨

📲 Ruan Chryssafis - 021901702
🔑 Options Always, In All Ways!


- Posted by Alma, Vega admin

The power of choice! Gain the advantage of accessing a wide range of loans and lenders, spanning from main banks to non-bank and private lenders.
Learn more about the advantages of working with a broker in our upcoming posts!

📲 Ruan Chryssafis - 021901702
🔑 Options Always, In All Ways!


- Posted by Alma, Vega admin

Guiding you every step of the mortgage process! Let's chat!

📲 Ruan Chryssafis - 021901702
🔑 Options Always, In All Ways!


- Posted by Alma, Vega admin

"A mother's love goes beyond words."
Happiest Mother's Day to all the beautiful mothers and mother figures in our lives! 💖

What is a Financial One-Stop Shop?
It is everything you need, all in one place.
For example, at Vega, we consider ourselves a financial one stop shop because we offer our clients home loans, business and commercial lending, insurance, KiwiSaver, and asset finance.

🏡 Home Loans
🏢 Business & Commercial Lending
🛡️ Insurance
🌱 KiwiSaver
💼 Asset Finance

Rather than visiting a separate institution for each financial need, Vega saves you a lot of time and effort. Ready to simplify? Let's chat!

📲 Ruan Chryssafis - 021901702
🔑 Options Always, In All Ways!


- Posted by Alma, Vega admin

Will your family be able to pay the mortgage/bills without you?
❤️ Life insurance ensures your family doesn't face money problems during challenging times, providing them with stability and security when you can't be there for them. Let's chat!

📲 Ruan Chryssafis - 021901702
🔑 Options Always, In All Ways!

-Posted by Alma, Vega admin

Happy retirement is not a dream - it's within reach with KiwiSaver. Get in touch with Ruan today!

📲 Ruan Chryssafis - 021901702
🔑 Options Always, In All Ways!


-Posted by Alma, Vega admin

🚐 Craving some outdoor adventure? Exploring New Zealand's scenic beauty in a campervan is an unforgettable experience.
Ready to hit the road? Whether you're after a compact caravan or a luxury motorhome, we make borrowing easy! From $5,000 to $250,000, we've got you covered for all types of caravans. Contact Ruan today!

📲 Ruan Chryssafis - 021901702
🔑 Options Always, In All Ways!


- Posted by Alma, Vega admin

Buying your First Home with KiwiSaver

1. First Home Withdrawal
After 3 years in KiwiSaver, you can apply to withdraw all or part of your KiwiSaver savings as a deposit towards your first home. A minimum balance of $1,000 must be maintained in your account.

2. First Home Grant
After 3 years in KiwiSaver, you may be eligible for a First Home Grant. Grants up to $10,000 for building a new home or $5,000 for an existing one.

Steps to Buying with KiwiSaver:
1. Check your eligibility and KiwiSaver balance.
2. Speak to Ruan to understand your borrowing power.

📲 Ruan Chryssafis - 021901702
🔑 Options Always, In All Ways!


- Posted by Alma, Vega admin

A mortgage adviser can help you with non-traditional options if your situation means you aren’t bank ready at the initial stage. Let's chat!

📲 Ruan Chryssafis - 021901702
🔑 Options Always, In All Ways!


- Posted by Alma, Vega admin

One of the key benefits of KiwiSaver is that you’re not the only one contributing to your retirement savings. If you’re employed, your employer must also contribute at least 3% to your KiwiSaver account.
Every year, you also can get up to an extra $521.43 in your balance. This is called the annual Government contribution. To get the maximum contribution of $521.43, you’ll need to put in at least $1,042.86 over the KiwiSaver year via employee or voluntary contributions.
There are lots of KiwiSaver schemes, and you can only invest in one. We work with a KiwiSaver provider that has several attributes that attract discerning investors.

Let's chat!

📲 Ruan Chryssafis - 021901702
🔑 Options Always, In All Ways!


-Posted by Alma, Vega admin

Stop dreaming and start doing!
Approaching the banks to find the right structure can be daunting, it may even seem near impossible. Knowing where to start or how to start could mean finally securing your dream home! Let Ruan help you!

📲 Ruan Chryssafis - 021901702
🔑 Options Always, In All Ways!



- Posted by Alma, Vega admin

We wish all our clients a happy Easter!

📲 Ruan Chryssafis - 021901702
🔑 Options Always, In All Ways!



- Posted by Alma, Vega admin

Does a mortgage refinance make sense for you?
If you want to make sure your home loan is serving your best interests, get in touch and we can help you crunch the numbers and give you insight into what's on offer in the market.

📲 Ruan Chryssafis - 021901702
🔑 Options Always, In All Ways!


- Posted by Alma, Vega admin

Not in front of you, but with you!

There are several insurance options available in the market for your protection. We guide you every step of the way. Whether you're navigating policies, filing claims, or seeking advice, we're here to support you through it all.

📲 Ruan Chryssafis - 021901702
🔑 Options Always, In All Ways!


- Posted by Alma, Vega admin

According to Financial Advice New Zealand's December 2023 figures, the average KiwiSaver member balance is $31,700.
By actively engaging with KiwiSaver provider and making informed choices, you could significantly reduce the time it takes to save deposit. Don't let your funds sit idly – take charge and maximise your savings potential!

📲 Ruan Chryssafis - 021901702
🔑 Options Always, In All Ways!


- Posted by Alma, Vega admin!