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Mortgage Advisor

We Are Concerned With Your Mortgage & Better Living

Mortgage Chocolate offers friendly, effective mortgage and finance broking services to the top mortgage brokers in Auckland. We eliminate the requirement for scheduling appointments with bank branches. Our efficient team provides you with knowledge of a broad range of lenders and loans. Nevertheless, once you have made the decision on a loan adequate for you; we facilitate obtaining loan approval and pursue the application through to settlement. Being your mortgage broker means we serve as the mediator between you and the bank.

We handle interacting with lenders and banking organisations on your behalf. This way, you get a home loan that is uniquely formulated for you and your requirements. Mortgage Chocolate is more than just a broker; we also function as your private lending consultant. Competent, dedicated, and professional – these attributes are what distinguish our organisation. We hope to continue to expand and bridge the gap in obtaining the finest financing for our consumers.

Why Choose Us?

A New Perspective Of Helping & Giving Futures To Your Dream

Whether you are just beginning your first home, or you are a highly experienced investor, Mortgage Chocolate is dedicated to delivering you with the right home loan to fit your requirements. Considering the standards of New Zealand, we will analyse every aspect of your loan with you and guarantee you comprehend the fine details – like competitive interest rates, offset facilities, unlimited additional deposits, and redraw facilities. We serve a variety of individuals and groups, including entrepreneurs and businesses.

You can depend on us to get the best customer service that you will esteem for the life of your loan, and we will continue to support you in accomplishing your aspirations. Furthermore, Mortgage Chocolate does not charge you because lenders pay us commissions for arranging the loan; therefore, we do not. We have a dedicated in-house team here in Auckland. When you contact us, your queries will be handled by one of our courteous brokers. You may be sure that you are in good hands and that we will provide the ideal loan for you.

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FAQ’s

Why should I use a Mortgage Broker?

The mortgage brokers provide their services free of cost. They deal with different lenders and have the ability to provide the options most suited to your circumstances. Experienced brokers like Mortgage Chocolate are able to provide you guidance and professional service in more complex transactions, like construction loans, or commercial loans etc.

What is your best interest rate?

In most cases, it is seen that people like to fix the interest rate on their loan for certain period like 1,2,3 years or more, so it gives more certainty to their household budget, but in some situations, it may be more advisable to have the loan on floating interest rates or a combination of both. It all depends on your situation, the analysis of which we can help with. In New Zealand, currently the banks are offering the historical lowest ever interest rates, ever seen in this country.

Will my interest rate change?

The fixed interest rates do not change until the period for which they have been fixed expires and then you again have the ability to re-fix them. The floating rates can change any time.

Our Process

Initial Assessment

The process starts with going through an initial assessment with one of our mortgage advisors. We will get a full understanding of your financial position, your priorities, and what you want to achieve. You will also get advice on the best options for your needs and what you can do to ensure you get the Best Mortgage Deals in Auckland.

Comparison

We then match your circumstances and requirements with the offers currently in the market, assessing as broad a range of lenders as possible. We’ll shortlist the best options so you can make an informed choice.

Application

We then complete the application process on your behalf. You’ll need to provide us with information and documentation as part of this step. The documentation we need includes proof of income, proof of deposit, and identification.

Decision

We will liaise with the bank or lender until it issues a decision. This could be approval, decline, or approval with conditions. We will keep you updated every step of the way.

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