Don't Fit the Bank Mould? You're Not Stuck.

Banks are built around a standard applicant: salaried, long tenure, clean credit, ordinary property. Plenty of good borrowers do not look like that. Self employed with two years of variable income, contractors, new residents, past credit issues, or a property the bank calls non standard. A decline from one bank is not a decline from the market.

We know which lenders take a considered view rather than a computer one, and what evidence they want to see before they will. Often it is a matter of presenting the same situation to the right lender in the right way. Sometimes it means a short term solution now and a move to mainstream lending in a year or two, and we will tell you that plainly. Our advice costs you nothing, because the lender pays us and you do not.

Our office is at 3/24 Dublin Street in Christchurch and we work with clients right across New Zealand. Come in and sit down with us, or talk it through by phone from wherever you are. The advice and the process are exactly the same.

Alex Toohey is a Top 25 New Zealand Mortgage Adviser and Journey Mortgages holds a 5.0 rating from 60 Google reviews. If a bank has already said no, a 15 minute conversation will tell you whether that was the market talking or just that one bank.