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Our Home Loan Process

Mortgage Warehouse will make your life easy.

Our process is designed to be as safe and easy as possible - for you

  • We keep in touch every step of the way.
  • The security of your information and your privacy are very important.
  • Email is not a secure way to transmit files, so we prefer that your information is uploaded securely to our website.
  • At Mortgage Warehouse we also use secure discussion tools alongside your loan application.
  • We often use email too, and we'll phone you when we need to.
  • Mortgage Warehouse is open during business hours, and we often work after hours.

Every case is managed according to its needs

This means that there is nothing typical or 'off the shelf' about our process.
The Mortgage Warehouse guides and tools will prepare you for your investment, and our service and experience will give you confidence so you can enjoy the process.

Process Summary

  1. We review your loan application and discuss your options
  2. Based on our conversations with you, we'll get your loan approved
  3. We discuss interest rates and home loan options, and finalize your loan structure

First, we review your loan application and discuss your options

We'll be in touch by email or phone
  • As soon as possible after you complete the application pages (between 9am & 5pm on NZ business days), your loan application is reviewed.
  • Your mortgage advisor will contact you by your preferred means to discuss what financing options are available to you.  The objective is to understand your requirements and to explain why some options may be preferable to others.
  • This is a good time for us to answer any questions you have.
We may need some documents from you
  • Following our initial review and contact with you, your loan application is finalized.
  • We may need information like pay slips, or bank statements. We will tell you what is required so you have a simple list of things we need.
  • Some situations require minimal information. We can explain individual requirements at the time.

Then we'll get your loan approved

We'll be in touch by email
  • After we receive the various documents, we will compile a loan application for the preferred lender.  By this stage, we have generally narrowed the preferred lenders down to one or two options.
  • Depending on the complexity of the proposal, we would normally receive a loan offer within 1 or 2 days (often sooner, but sometimes later).
  • We will contact you to discuss the loan offer and to explain any conditions that need to be dealt with.
There may be loan conditions to be dealt with
  • The lender may need a valuation, or there may be other documents which are needed to finalize your loan offer.
  • We will coordinate this with you so that an unconditional loan offer is provided when required.

We discuss interest rates and home loan options and finalize your loan structure

Phone and email contact
  • We will help you to establish a suitable mix of loan products and interest rate structures that will help you to achieve your goals.
  • When your loan structure is set and your finance approval is unconditional, we will provide full details to your solicitor so that there are no mistakes in the loan and mortgage documentation.
  • Finally, we ensure that loan documents and instructions are issued to your solicitor in time for settlement.
That's it!

Then there is the fixed rate reviews and follow up

Normally it's email, sometimes it's a text
  • We always make contact to assist with fixed interest rate reviews.
  • You'll hear from us occasionally and we will sometimes communicate information that might be helpful to you.
  • For loan top-ups and new borrowings, you can just log in any time and add a new loan application.
  • We don't forget about you, and we are always glad to hear from you again.

Thank You

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