#mortgageadvice

[mikebolger1]

A posted mortgage rate below 1%? It just happened — and here's why | CBC News

Mortgage rates hit a new low, with Canadian bank posting below 1% 💡↓↓↓ HSBC has come out with a variable rate mortgage at 0.99 per cent, which industry watchers believe is the first such posted offer below 1 per cent ever in Canada. Time for renewal or getting a new mortgage? I am connected to some of the best mortgage experts in the business. Call Mike Bolger at [phone] for more details. I look forward to your call. https://bit.ly/3gnUIv4

[elliottfinancialconsultants]

Home | Elliott Financial Consultants

Is your mortgage renewing soon? Some people must still pick a mortgage term this spring despite the COVID-19 crisis. Should you get a fixed or variable rate? Unfortunately, there is a lot of confusion out there about mortgage rates. If you are looking for options when it comes to your mortgage renewal, consider contacting Wayne Elliott at [phone] for some mortgage options and advice. http://bit.ly/33r9R8q

[ukmoneyman]

In the second episode of our new "Types of Mortgage" #MoneymanTV series, Malcolm Davidson explains what an Offset Mortgage is and the benefits it may have 🏠🤑

[mikebolger1]

Real Estate News and Announcements - Waterloo, Kitchener, Cambridge, Elmira

Why Are Some Mortgage Rates Rising? Fears over the COVID-19 pandemic and falling oil prices have caused mortgage rates to fall to multi-year lows over the past couple of weeks. According to Canadian Mortgage Trends, some lenders are actually starting to raise rates. Fixed rates on certain terms have been creeping back up, while some of the big banks have been quietly cutting their discounts on the prime rate. A host of other lenders have also been slashing their discounts from prime by anywhere from 20 up to 75 basis points. For those in the market for a new mortgage, and who are leaning towards a variable rate, experts recommend obtaining a rate hold as soon as possible. Have questions about mortgages? I am connected to some of the best Mortgage experts in the business. Call Mike Bolger at [phone] for more details. I look forward to your call. http://bit.ly/2XZzD0F

[mikebolger1]

Real Estate News and Announcements - Waterloo, Kitchener, Cambridge, Elmira

Why are some mortgage rates rising? Fears over the COVID-19 pandemic and falling oil prices have caused mortgage rates to fall to multi-year lows over the past couple of weeks. According to Canadian Mortgage Trends, some lenders are starting to raise rates. Fixed rates on certain terms have been creeping back up, while some of the big banks have been quietly cutting their discounts on the prime rate. A host of other lenders have also been slashing their discounts from prime by anywhere from 20 up to 75 basis points. For those in the market for a new mortgage, and who are leaning towards a variable rate, some experts recommend obtaining a rate hold. Do you have questions about mortgages? I am connected to some of the best Mortgage experts in the business. Call Mike Bolger at [phone] for more details. I look forward to your call. http://bit.ly/2XZzD0F

[mortgagebrokeroxford]

Mortgage Broker in Chesterfield

[mortgagebrokeroxford]

Mortgage Advice from The Mortgage Genie Ltd.

[kripafinancialsolution]

The Growing Role of Non-Bank Lending in New Zealand

New Zealand's lending landscape is evolving, creating new opportunities for borrowers, investors, developers, and first-home buyers. As lending requirements become more complex and financial situations more diverse, non-bank lenders are playing an increasingly important role in helping Kiwis achieve their property and financial goals. Recently, industry leaders from across New Zealand's non-bank lending sector came together to discuss the trends shaping the future of lending. While each organisation brings a unique perspective, there was a common theme throughout the discussion: borrowers today need greater choice, flexibility, and access to solutions that align with their individual circumstances.

Why Non-Bank Lending Is Growing

For many years, traditional banks dominated the lending market. While banks continue to play a vital role, changing borrower needs have created demand for alternative lending solutions. Non-bank lenders are helping bridge this gap by providing tailored options for self-employed borrowers, property investors, developers, and first-home buyers who may not meet standard bank criteria or require a more flexible approach to finance. As awareness continues to grow, more New Zealanders are exploring non-bank lending as part of their overall financial strategy.

Creating Opportunities for Investors and Developers

Property ownership remains a key aspiration for many New Zealanders. For investors and developers, securing the right funding structure can be critical to achieving their goals. Specialist lenders are helping more New Zealand borrowers access opportunities that may sit outside traditional bank criteria. Whether it's funding a development project, refinancing an existing portfolio, or supporting a time-sensitive property purchase, flexibility can make a significant difference. As market conditions continue to evolve, having access to a broader range of lending options can help borrowers move forward with greater confidence.

Technology Is Reshaping the Lending Experience

Technology and artificial intelligence are transforming the lending industry. From faster assessments and streamlined documentation to improved communication and customer experiences, technology is helping lenders deliver more efficient services. For borrowers, this means quicker turnaround times, greater transparency, and a smoother lending journey from application through to settlement. As technology continues to advance, both advisers and lenders will be better positioned to provide informed and responsive solutions.

The Value of Adviser-Lender Partnerships

One of the strongest themes emerging across the industry is the importance of collaboration. Mortgage and financial advisers play a critical role in understanding a client's goals, financial position, and long-term objectives. By working closely with a wide range of lending partners, advisers can identify solutions that best suit a client's circumstances rather than relying on a one-size-fits-all approach. This collaborative model ultimately benefits borrowers by expanding their options and improving access to suitable lending solutions.

What This Means for Borrowers

The future of lending in New Zealand is likely to be shaped by greater innovation, stronger partnerships, and increased access to specialised funding solutions. For first-home buyers, it means more pathways into home ownership. For investors and developers, it means greater flexibility and access to funding opportunities. For self-employed borrowers, it means solutions that better reflect their financial circumstances.

Most importantly, it means more choice. At Kripa Financial Solutions, we remain committed to staying informed about industry developments and lending trends so we can continue helping our clients make confident financial decisions and achieve their property and financial goals.

Looking for flexible lending solutions? Call us today on [phone] or schedule a meeting with our team at www.kripa.co.nz.