WHAT’S YOUR MORTGAGE PROFILE?

Putting a strategy in place got us paying down debt faster.

Tailoring your loan to your life. Giving you a plan to get ahead.

What’s your Mortgage Profile? Free Mortgage Health-Check

Think ahead. Protect your progress. Make better decisions.

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 Profiler

WHAT’S YOUR MORTGAGE STATUS?

  • Wanting to own

    Getting on the ladder

    You 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.

  • Existing mortgage

    Paying down debt

    You 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.

  • Investment property

    Looking to leverage

    Whether 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.

Select your mortgage status and buttons below to get your quick-tip. These are some of the things we’ll be thinking about when we talk to you.
  • Single
  • Couple
  • Yes
  • Not yet
  • No
  • Saver
  • Spender

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.

Rochelle, Bridal Designer Book a Pre-mortgage Chat

WHY CHOOSE POINTER?

We’ve got your back,
every time.
  • We take care of it so you don’t have to.

  • Access to great interest rates.

  • Top-ups
    made easy.

  • Best bank access so you have options.

  • We map out your debt strategy.

Top 5 reasons to review your mortgage

1
New job or promotion

Surplus income is a great reason to revisit your mortgage structure – putting surplus income against your debt could cut years off your loan if you plan it right.

2
Addition to the family?

Often the birth of a child also means a reduction in income. Reviewing your mortgage may allow for an interest only period to reduce mortgage repayments while income is tight.

3
Fixed rate expiry

If you don’t re-fix your loans, they will automatically transfer to a floating rate – which is normally much higher. Requesting rates early means you can organise to transfer straight onto the new fixed term.

4
Thinking about buying another property

As you pay down debt, you increase the equity in your home. In some cases, you can use the equity to help with the deposit for an investment property – starting your own portfolio.

5
Keep shopping around

As advisers, we like to keep our eye on the wider mortgage market and let you know if moving banks might get you access to better rates, loan products and even a cash contribution towards the cost of moving.

What is Mortgage Care?

DEBT FOCUS PACKAGE

MortgageCare

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 Package

STRATEGY PACKAGE

FinancialLife-Map

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 Stories

TESTIMONIALS

Re-fixing our mortgage was worth it

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
We’re clearing debt so much faster

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
We’re amazed a rental was an option

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
Loan types are no longer a mystery

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
Hello!

Let’s chat.

Book a Chat

Get Started Form

Filling in these optional questions will help us know you better before we chat.

Filling in this form is starting a conversation with us, but there’s no obligation to proceed further.

Getting started.

Filling in these optional questions will help us know you better. Otherwise Book a Chat below, connect on LiveChat, or call direct on 09-281 5418.

How were you hoping we could help?
If existing loan, what bank is your mortgage with?
What is your estimated mortgage amount?

Great! Based on these answers, we’ll be able to inform you of what your options are.

Book a Chat

Indicate the best time to call between 9am-5:30pm.

You can also call our Pointer CareTeam direct
09-281 5418

Please know that filling in this form is starting a conversation with us, but there’s no obligation to proceed further.

By submitting this online form I agree to the secure processing of my personal information.

Book a Chat

Indicate the best time to call between 9am-5:30pm.


Or call our Pointer CareTeam direct
09-281 5418

Please know that by filling in this form it’s starting a conversation with us, but there’s no obligation to proceed further.

Let‘s Chat!

We‘ll be in touch shortly.


Please know that by filling in this form it’s starting a conversation with us, but there’s no obligation to proceed further.

Thanks!

Now we can take next steps.

We will be in touch shortly.

Back to Pointer

QUICK-TIP MORTGAGE PROFILER

Age, relationship, earning potential and families can all change your mortgage strategy.

Select your mortgage status and buttons below to get your quick-tip. These are some of the things we’ll be thinking about when we talk to you.
  • Single
  • Couple
  • Yes
  • Not yet
  • No
  • Saver
  • Spender