Your Trusted Home Loan Broker Services in Lower Hutt, Wellington
Looking for a home loan broker in Lower Hutt? The Mortgage Advice Company offers independent, expert advice for first home buyers and refinancing.
Expert Advice
We’re all prior senior bankers with extensive networks and business acumen. We understand how banks think.
Knowledge
We take the time to get to know you, where you are now, and your goals before developing a strategy to get you there.
Experience
We understand what makes an appealing application. We’ll help complete the paperwork and recommend the best lender for you.
Independent
We’re here to ensure that you receive fair and prompt payment, to get you back to normal. In the event of a dispute, we’ll act as your advocate.
Better Access
We have a network of major lenders and products to choose from giving you better access and more options to choose from.
No Suprises
We’re normally paid by product providers. We’re legally required to disclose any fees or other charges. This means no surprises at a later date.
Ideally, before you start house hunting, and again before key events like refixing, refinancing, or major financial changes.
Early advice gives you clarity on budget, deposit, costs, and lender requirements.
There is no one-size-fits-all answer. The right term depends on your budget, future plans, risk comfort, and where rates may move.
We help you choose a structure that suits your goals now and gives flexibility later.
This is a facility linked to your mortgage that works like an overdraft. Your income and savings can offset your loan balance, which can reduce interest costs.
It can work well for disciplined borrowers who want flexibility and faster debt reduction.
Usually yes, but rules vary by loan type. Flexible lending generally allows more extra repayments. Fixed lending may have limits, and exceeding them can trigger fees.
You can refix, move to floating, restructure, or refinance to another lender.
This is the right time to check whether your current structure still fits your plans. We contact clients ahead of expiry so you can make a well-timed decision.
Yes. We regularly help with refixing, restructuring, refinancing, debt consolidation where appropriate, and planning for future purchases.