Our clients are typically self employed borrowers, new property investors, first home buyers and people who are having difficulty in arranging mortgage finance. Our value proposition is all about advice. The key to a successful outcome is in understanding a clients current and future needs and recommending a structure, finance and insurance option that best suits those needs.
We can't always get the cheapest home loan rate or lowest insurance premium. However the cheapest is rarely the best option. What if you took the lowest 2 year fixed rate option and interest rates fell next month? Or if you took the lowest interest rate to buy an investment property, but due to a poor finance structure were unable to offset tax losses against independent income?
Don't ask us to quote a rate. Anyone can do that. Ideally we would like you to call us to discuss how much you should borrow and what you should buy. In that regard we are like the old fashioned bank manager that you would ask for some advice and guidance.
So if you are asking yourself the following sorts of questions you need to contact us;
• How much should I fix and for how long?
• Is revolving credit suitable for a portion of my debt?
• Should I consider the use of an LAQC or Family Trust? Or perhaps a combination of both?
• Is negative gearing and capital gain based investing or yield based best for my situation?
• I want to be a property investor so where do I start?
• Do I need mortgage protection and income protection?
Lodestone 'Helping you find you way.'
Caglan Bagci
Mortgage Broker & Financial Adviser
Phone: 04 381 4950
Fax: 04 381 4951
Mobile: 0274 521 406
Level 2, Fraser House, 160 - 162 Willis Street, Wellington.
Email: caglan@lodestone.net.nz
www.lodestone.net.nz
