Do I need to provide a mortgage adviser with bank statements?
What do I need to bring to a mortgage adviser? Do I need to provide a mortgage adviser with bank statements?
As mortgage advisers we are here to advise you on your options, the property market you’re looking to buy in, and help you decide on a lender to run your application through.
There is a lot that comes before that though – and you don’t need to bring much to your first consultation.
For your very first consultation you only really need to bring yourself and the basic details of your financial situation – your savings, income, debts, how much you can put down in deposit, etc. – but after that basic consultation and information session you will need to provide a range of documents to support the application.
Papers To Bring With You To Your Mortgage Advisor Meeting
When you feel ready to pursue a mortgage application process, you should talk to your specific mortgage adviser to make sure you bring all the things they need you to provide.
However, as a general rule you will need to bring the following documents with you for them to move forward with an application.
Personal Identification Document
Official New Zealand ID like a passport is best, however a driving licence or birth certificates will also suffice to prove your identity to your mortgage adviser.
Advise Clients On Mortgage Options That Align With Their Realty and Financial Goals
The different mortgage options and products available to you are always changing, which is why working with a mortgage adviser at Titan Finance gives you a direct line to the banks. We work with lenders to offer a selection of financial products that work in different ways for different people – loans with shorter lifespans work better for some people while others need a lower monthly repayment but for a longer time span.
Remember, the best loan is the right loan for your circumstances.
Get The Best Loan Arrangements For Our Clients
Once we have looked at the right loan for you, Titan Finance mortgage advisers will make contact with the loan officers at the lender we have come to a decision on and negotiate with them to get you the best terms possible – whether this is on rates, repayments, or other details of the loan.
Help Clients To Complete A Mortgage Application
The paperwork – we know it like the back of our hand. This is one of the most challenging aspects of home loan application for many people. While we can’t say there won’t be any paperwork for you to complete – you will always have a trusted adviser there to help you work through everything that needs to be filled out to satisfy the application process.
Help Our Clients Structure Their Loan Appropriately
As a part of the process, we will help you to structure your loan in the most appropriate way for you, your loan, and your circumstances.
Organise Building Reports, Home Valuations, And Insurance
A major aspect of finding and buying your perfect home is ensuring that it is inspected and evaluated properly, and that you have the right insurance for you.
We can help you to arrange and submit building reports via building inspectors, get a reliable valuation done so that you can make a competitive offer, and advise where we can regarding the various types of insurance you may encounter in your home owning journey.
See Them Through To The Final Signature
From the first open house to the last signature on the contract, we will be there to help you with the financing of your dream home. We are more than a rate comparison service; we work with you throughout the process to ensure that you are in your own hoe sooner and as stress free as you can be when making a major life decision like buying a house.
