Tailoring your loan to your life. Giving you a plan to get ahead.
MORE THAN JUST MORTGAGE BROKERS
We streamline your mortgage at every stage of life.Our purpose-built software creates a financial map of your life that forecasts progress over the long-term. With this insight we develop strategies to clear debt faster, build your asset base, leverage the resources you have and develop the ones you don’t.
Try our Mortgage ProfilerWHAT’S YOUR MORTGAGE STATUS?
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Wanting to own
Getting on the ladderYou may be renting and want to see if buying is even possible. Starting out can be challenging, but there are things you can do to give yourself options and improve your position. Talking to us before you go to the bank means you can be better prepared. There is so much to know – handling auctions, accessing KiwiSaver and doing due diligence on potential purchases are all things we can help with.
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Existing mortgage
Paying down debtYou might be starting to get on top of your finances, or maybe it feels like you are running to stand still. Either way, it’s important to remember that owning a home means you are building an asset base. Intelligent structuring of your debt and a solid plan can make a meaningful difference if you simply stick to it. This can also be a good time to create opportunities, look at career options, maybe even consider a separate investment strategy.
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Investment property
Looking to leverageWhether you’re mortgage-free and looking for an opportunity or actively developing a property portfolio, getting the right strategy and structure can propel you forward and protect what you’ve already gained. It’s important to research your options and manage the risks involved, making sure there’s an exit strategy in place if circumstances change. Creating robust strategies is what we do best.
QUICK-TIP MORTGAGE PROFILER
Age, relationship, earning potential and families can all change your mortgage strategy.
WHAT’S YOUR MORTGAGE PROFILE?
I’m renting and really want to get on the property ladder.
Let’s talk about how to get there.
We’ll tell you what you need to know
and how to make it happen.
WHY CHOOSE POINTER?
We’ve got your back,every time.
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We take care of it so you don’t have to.
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Access to great interest rates.
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Top-ups
made easy. -
Best bank access so you have options.
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We map out your debt strategy.
Top 5 reasons to review your mortgage
What is Mortgage Care?DEBT FOCUS PACKAGE
Whether it’s a first home purchase or you’re plugging us into your existing mortgage, we can handle the rest. Great structures, rates, and bank access, with ongoing guidance — saving you time and money.
See MortgageCare PackageSTRATEGY PACKAGE
This is where we look at the wider picture — making sure all the puzzle pieces fit together. We work with you to understand your goals, review your insurances and create a strategy so you can look ahead and see how to get there.
See FinancialLife-Map Package
MORTGAGE STORY ONE INCOME
Mary stands to save $47,000 over the life of her loan.
When Mary’s bank arranged her mortgage, they told her it was a 30-year term and a good interest rate. They never discussed what loan structure might be best, so they missed that Mary had surplus income she could be using to clear debt faster. Mary didn’t think she could change the terms of her fixed loan, but after talking to us, we set it up so she could increase her repayments by $40 per fortnight — potentially saving as much as $47,000 over the life of her loan. With regular reviews, we will keep altering her mortgage structure to make sure clearing debt is the focus.
“Pointer were so informative and easy to work with. Wish I’d done it sooner.” — Mary
More Client StoriesTESTIMONIALS
We thought we were on a good interest rate until we spoke to Pointer. They restructured everything and got us better rates. What’s great is that they’ll do it next time too.
Sarah & James
After our strategy session we had a much better idea of what we needed to do. With Pointer’s help we now have our mortgage sorted and feel more confident about how we are tracking.
Katrina & Paul
Seeing the numbers in our strategy session showed us we were better off than we thought. It felt like buying a rental was always a long way off, but now we actually own one!
Tracey & Cameron
At first it seemed like there was too much to know. Everyone at Pointer was very patient and explained what structure was best, and why. Now I have a great system for clearing debt and the flexibility to run my finances how I want.
Karen