Welcome to Homeloansplus - Hamilton
My name is Mitchell Balfour and I cover the Hamilton suburbs and the greater Waikato Region for Homeloansplus Ltd.
I have over 12 years experiance in financial services industry. I am married and have three young children so I can relate to wanting to buy and move into a home where you can raise your family and be happy. Contact me now so I can get to work helping you!
Mitchell Balfour
p: +64 7 847 0020 m: 0274 739 379
f: +64 7 847 0020
5 Irvine Street, Dinsdale, Hamilton 3204
e: info@homeloansplus.co.nz
w: www.homeloansplus.co.nz
Mitchell Balfour and Homeloansplus Service: all areas of the Hamilton and the greater Waikato region.
Hi, I am Mitchell Balfour - we here at Homeloansplus Hamilton are completely independent of the mortgage providers (banks) we use to help you obtain a home loan. But don't think this independence means that you will just be offered the deal that gives us the best commission, far from it, everything we do is driven by getting you ahead financially and improving your lifestyle.
A large proportion of our work comes from referrals from happy customers, it is always nice to know that we have helped someone so well that they feel confident in referring us to friends and family.
We want to help you finance your home and then work with you to repay it as fast as possible. We focus on a long term relationship with our clients, work with you so you can have a home and a lifestyle. Ensuring you can afford your home and an enjoyable life is a priority for us so we recommend regular reviews of your financial needs and lifestyle.
We can help you if;
- You are looking to purchase your first home
- Require finance for Investment property
- Restructuring existing borrowings (Refinancing)
- Finance for building and development
- Pre approval loans
- Re fixing existing loans
- Interested in Insurance to protect your family's financial situation
First home buyers
Taking the first steps to home ownership can be daunting. We will help with honest advice about the options open to you and give you the information you need to make the right choice.
Getting Started
As you know the banks and lenders are making it harder to get your first home. We know what the lenders are looking for in customers these days.
Call us today, we will work with you and guide you to home ownership.
Deposit Options
(Subject To Lenders Criteria)Most lenders are wanting customers to have a 20% deposit. We do have lenders who will accept a 10% deposit.
No Deposit - with the support of your family we can explore these options.
Call now to get started.
Refinancing
Every so often it is good to sit down, take stock and see where you want to go over the next period of your life. If you want to alter your home, release money from your house for a special event or trip, then refinancing can help.
Your Existing Home
(On A FIXED Interest Rate)
Wanting to break that FIXED Rate home loan to get a lower rate. The bank is going to charge you a break fee. Talk to us for advice and a strategy that will have you winning.
Your New Home
Let us get you a Pre-Approved loan offer so you do Not miss out on your dream home.
As there was when you took out your original mortgage there are many options available, please call to discuss your options and see how we can help.
Debt Repayment
"Cash is King" so the saying goes! More important is Cashflow. Your best option is to repay debt.
To get out of debt call us now!
Debt Consolidation
Put all your payments into one loan with lower payments? An option to explore, if you have a plan afterwards. Don't just add interest on top of interest.
Building
Your Dream Home
If you have a dream to build your own home we can help by showing you the best way to finance the construction. If you have never done it before we can help you through the stages from initial plans through to opening the door and stepping into your new home.
Renovating
Need money to renovate that kitchen, bathroom add a room? Perhaps to finish of the DIY jobs that you just do not have the time to complete yourself.
Spec Building
A specialist area of the property market. If you are looking at this area call me for finance options.
Investment Property
Investing in your future is never a bad idea and it is never too soon to start. Getting the right advice is essential if your property is going to make money. We have helped many people to create effective portfolios of property, we are happy to give you our help and advice.
Your First Rental Property
If you want to keep your existing house as a rental or buy your first renatl property than talk to us first. You have to the lending right.Adding To Your Portfolio
Ready for the next rental property - enough equity, cashflow, yeilds OK Now. Great lets do the math for you and add to your passive income.
Advice On Tax Structures
We are NOT accountants or Solicitors, we are home loan specialists.
(We can refer you to suitably qualified professionals)
We will explain, in plain english, what options are available to you in which to own your investment properties.
Getting it right now will save you stress and worry later, not to mention money
Lower interest rates / lower house prices - there are opportunities ready for you to buy NOW!
Choose a Professional Mortgage Broker - Homeloansplus - Hamilton
NZMBA ( New Zealand Mortgage Brokers Association ) Brokers adhear to strict guidlines for your peace of mind.
NZMBA Mortgage Brokers must:
- be open, honest and sincere
- act in your interests
- act impartially
- act fairly and carefully
- be professional
- act independently of any lender
- have relevant and current experience
- represent at least six lenders
- have passed appropriate qualifications
- tell you the source of all commissions
- have at least $1 million in professional indemnity insurance cover
- offer a range of product types and options
- have an acceptable personal record
- have completed an approved training program
NZMBA Mortgage Brokers must follow the NZMBA Code of Ethics. If they don’t and you have a complaint it can be heard by the NZMBA Disciplinary Committee. For information on how to complain, contact the NZMBA at; www.nzmba.co.nz
Mitchell Balfour
p: +64 7 847 0020 m: 0274 739 379
f: +64 7 847 0020
5 Irvine Street, Dinsdale, Hamilton 3204
e: info@homeloansplus.co.nz
w: www.homeloansplus.co.nz
Mitchell Balfour and Homeloansplus Service: all areas of the Hamilton and the greater Waikato region.
Contact me now so I can get to work helping you with your home loan!
