Tailoring your loan to your life. Giving you a plan to get ahead.
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
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.
We take care of it so you don’t have to.
Access to great interest rates.
Best bank access so you have options.
We map out your debt strategy.
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.
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.
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.
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.
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.
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
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
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.” — MaryMore Client Stories