Straight-up Mortgage & Insurance Advice
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First Home Buyers
We specialise in helping First Home Buyers. We know the process can be overwhelming before you have even started. At SCM we are there to help you from the start. We want to talk to you as soon as the idea pops into your brain about buying a home. The earlier we talk to you, the easier it will be for you when the time comes as we can make sure you are doing everything right!
We know all the details on the Kāinga Ora grants & loans, whether you can access your KiwiSaver & can help connect you with all the right experts so you have the team you need around you from the start.
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Investors
Whether you are a savvy long-term investor or a first-timer, we have years worth of skills & knowledge to help ensure you are protecting your investments & structuring your lending in the best way for your individual circumstances.
We have multiple lending options that aren’t limited to the “main” banks, we find that the non-banks are sometimes able to offer solutions that better suit investors which means you are able to take advantage of opportunities that otherwise you may miss out on.
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Refinancing
Sometimes, you just need a change!
Refinancing may come about from selling one home to buy another - or you may simply want to see what other lenders have to offer benefits wise for your specific situation.
Whichever situation applies, we can talk to you about the different options & provide advice around where the best place for you to be is & set a structure that gives you confidence in your lending arrangement.
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Personal Insurances
If insurance was free, you would take it all huh?
Reality is though, you are going to have to pay to make sure you keep safe the things that really matter - and that is YOU!
I’ll talk to you about what matters most, and finding a solution that helps you to sleep easier at night knowing you have the cover you need.
All in plain, simple, straight-up English.
The SCM First Home Buyers School
The good ol’ days of finding a home & then calling the bank to get approved are all but gone!
In order to make sure you are in the best position to buy your first home, you need to suss some stuff first!
We created the SCM First Home Buyers School so you have a complete understanding of your financial situation, and what you need to do to reach your home ownership dream.
It's your ultimate guide on how to buy your first home in NZ.
Meet Sarah & Gareth.
We are here to explain the weird and wonderful world of mortgages and insurance.
Because sometimes, buying a property or getting insurance is just really overwhelming.
That’s where we come in!
Want to know the best bit?
We can help you wherever you are in New Zealand - with appointments via Zoom, phone, or face-to-face at our Kerikeri office.