Pecxer
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At Pecxer we have access to a wide variety of banks and non-bank lenders and can, therefore, source the loan that suits your specific situation.
As well as the standard bank home loans, we can help with low deposit home loans, low doc loans for self-employed, specialist loans for people that have some credit impairment and debt consolidation loans. We also find the appropriate lender that suits your needs and provide guidance through the process relieving you of uncertainty and doubt.
We partner with, solicitors, accountants, insurance advisors, valuers, real estate agents, lawyers, and builders, to ensure the right thing is done for you in an efficient and timely manner. We also work with you to provide honest advice and sound financial solutions that will suit your lifestyle requirements.
A new, modern home can be very appealing to many, at Pecxer, we can help you access 95% funding for new home builds for owner -occupiers or 80% on rental investments. Lenders do not have the same low-deposit restrictions on new home build loans. This option can appeal to clients that are seeking a low-deposit new home build or rental investment loan.
If you are thinking of building, we recommend you talk to us to make sure you get the best interest rate and right new home build loan to meet your individual requirements.
Buying your first home can be extremely satisfying but can also be a daunting time. Some key questions you might be interested to know during this process might include;
- How much deposit is required?
- What will be the repayment structure?
- Which is the best lender?
- Why do I need you as my advisor?
- What else do I need to know?
At Pecxer we work through what works best for you. We understand KiwiSaver and how it can help you buy your first home. We also have access to a wide variety of banks and non-bank lenders and can, therefore, source the loan that suits you. We will also work with you to increase your deposit with KiwiSaver and HomeStart grants, a second mortgage or even a guarantor.
Planning to Buy a Rental Property?
At Pecxer we understand that you invest to get returns, therefore there are things you need to know when you are considering purchasing a rental property or building a property portfolio.
Some might be:
- Do I need a deposit, or can I leverage off the equity in my existing home?
- What is the best entity to us to own the property?
- Should I have the loan interest only or pay principal and interest?
- How do I structure my loan to take advantage of the current tax laws?
Starting a business or experiencing a period of growth or change? At Pecxer we will consider your financial situation and find the appropriate lender that suits your needs we will also conduct regular review and updates of your loan to make sure you have the best deal.
At Pecxer we have access to a wide variety of banks and non-bank lenders and can, therefore, source the loan that suits your farming business requirements.
