Family Assisted Loans
If you have a low (or no) deposit or other complex borrowing challenges and your family are willing to provide their home or assets as collateral, we can use this to secure a mortgage that would have otherwise been unavailable.
Bring your dreams to life with creative financing
There are a range of little-known financial products available to home buyers who don’t have the cash for a 20% deposit, but have enough income to pay the mortgage. Perhaps you’re new to the workforce, have credit card debt that reduces your borrowing capacity, or simply don’t have the savings available to spend.
We can take a detailed look at your financial situation and work with you to get your mortgage pre-approved and across the line. In these scenarios, we involve your relevant family members from the outset, and work as a team to help get you into a property.
Experience The Mortgage Centre Difference
Clients love working with our registered financial advisers because we’re highly experienced, attentive to their needs, and helpful at every step along the way.
Deep expertise
We’ve spent decades working in banks. We know what lenders want to see, and how their processes function internally. We think outside the box to give you the best solution for your needs. And we’ve won a bunch of awards, too.
Focused on structure
Getting your loan approved is the easy part. Fine-tuning the structure to be the best fit for your specific situation is where we excel. We work with all the major banks and many non-bank lenders. And we look beyond just interest rates - we focus on setting you up with the right structure to repay your loan faster.
Personalised solutions
Our approach is tailored, not generic. We take the time to understand your unique scenario and explore the various options available, ensuring our recommendations truly align with your needs. We put your best interests first, and we’ll only set you up with loans that are the right fit for you.
Lifelong support
Our service doesn’t end with getting your loan approved - it’s just the beginning. You can expect annual check-ins, anytime support to help you on your property ownership journey, and advice on property-related matters as required. We're about building lasting relationships and empowering you to succeed.
Clear guidance
Getting a loan and buying property can sometimes be overwhelming. We take a relaxed yet professional approach to help you feel comfortable, confident and supported every step of the way. You’ll receive detailed and up-to-date information to ensure that you’re making the right choices without feeling overloaded.
Keeping it simple
Our services are designed to be straightforward and easy for you. We put in the work and handle the complexities, giving you a hassle-free experience. With our streamlined, honest, and transparent approach, you can enjoy a smooth borrowing process that doesn’t usually cost you a cent.
Steps to success
Step 1
When you get in touch, we’ll arrange a time to meet (in person or online), get to know more about your situation, and provide some initial solutions to consider.
Step 2
When you’re ready to go ahead, we’ll onboard you as a client, collect all the documentation required, prepare your application, and work with lending providers to get your borrowing pre-approved.
Step 3
Once we’ve gained approval and you’ve found a suitable property, we will meet to select the best structure for your loan and submit it to the bank. Then we’ll work with the bank and your lawyer to get the deal completed for settlement.
Step 4
After your transaction is completed, we’ll keep supporting you as and when you need it. With annual checkups and the ability to contact us any time you need guidance, you can feel comfortable knowing that you’re in good hands.
Contact us
Contact us
When you’re ready to start the conversation, please feel free to contact us by filling out the form below, or reaching out to your local adviser in Auckland, Waikato, or the Bay of Plenty and Taupo. We look forward to helping you!