We can arrange 95% loan for buying your home or residential investment property at most competitve terms. The 5% deposit can be saved deposit, can be borrowed or even taken as a gift. You should have a clean credit history and a stable strong income to service the debt. There are several options available and we will be happy to discuss with you.
Talk to us or enquire online.We will let you know what are best current options and what is best for your financial situation.
How can you raise Deposit/Margin Money?
Your deposit can be your saving or a gift. But for 95% lending mentioned above , it can be even borrowed. It can also be an available equity in another property which may be your own or someone else- like parents. Such a property is mortgaged to the lender and the owner/s of the property guarantee/s the loan extended to you for the amount of margin money. After a few years, generally five, when your loan amount reduces and home value increases, banks release the guarantee and remove mortgage from other property.
Call us or enquire online and we will reply all your queries to find a way out to arrange deposit.
Experts at Cherry Mortgage Solutions have latest information and understanding of all home loan products offered by different banks and second tier lenders. After understanding your situation, we will advise you suitable loan options which meet your needs and enable you t make informed decision.
Our job does not end here. We discuss with you and
» Negotiate and lock up best interest rate with bank. » Choose appropriate fixed interest rate term. » Negotiate minimal fee for your floating rate account. » Negotiate reimbursement of Solicitor’s Fee by lender. » Negotiate to get C Card Fee waived/reduced.
We work for a continuing relationship and come back to you from time to time. Of course we are available to you always just a phone call away. At the time expiry of fixed interest period we discuss with you various options available to get interest rates fixed again.
1. We are loan experts with twenty five years of bank experience in home and commercial lending.
2. We make your loan raising exercise hassle free.
3. We can examine and restructure your loan, cutting years off your mortgage and save thousands of dollars.
Welcome to New Zealand’s favourite Mortgage Website
Raising a Home Loan, Business Loan or Commercial Property Loan in current financial scenario when banks ask for 20% deposit, can be a daunting task. Moreover different lenders have different loan products and change their lending criteria and interest rates every other day, which makes loan-raising process rather more confusing and complicated.
Under such a situation, going around all the banks and comparing their products is a time consuming process and is not feasible particularly when you need money urgently.
Our experts at Cherry Mortgage Solutions with wealth of knowledge and extensive experience (20 years as Bank Manager in New Zealand, U.K/overseas) take stress and confusion out of your loan hunting exercise and make it a simple and easy process. We fully understand, every borrower has a unique situation and work accordingly.
With our strong relationship with lenders we can arrange home or residential investment property loans even upto 95% and commercial property loans upto 100% at most competitive terms and interest rates.
We design solutions for your mortgage or Business Loans around your unique situation and needs. We also examine your current loan structure and if needed restructure it which can make you pay your loan faster and save many thousand dollars.
We are one stop solution for both your loan and insurance needs. We cover all your risks by suitable insurance cover from a range of insurance companies at most competitive prices and take over all hassles of related paperwork.
Contact us on 09 625 3800 or enquire onlineand we will make your loan raising exercise a stress free pleasant experience.
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Cherry Mortgage Solutions Ltd
P O Box 27 - 070 Mt. Roskill Auckland 1440 New Zealand
Latest on Cherry Mortgage
