Specialised lending
Don't fit the bank mould? You're not stuck.
Self-employed. Complex income. Niche property. 20+ lenders, including non-bank options.
Specialised loans
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 69 Google reviews. If a bank has already said no, a 30 minute conversation will tell you whether that was the market talking or just that one bank.
- Often helps with
- Self-employed and contractor income
- Also
- New residents, past credit issues, non-standard property
- Sometimes the plan is
- A short term solution now, mainstream lending in a year or two
- We'll be straight
- If it won't work, we'll tell you that plainly
Self-employed?
Yes, you can get a mortgage
Lenders usually ask for more documentation, typically around 2 years of financial accounts, confirmation from your accountant, and IRD income summaries. Lenders vary a lot in how flexible they are with self-employed applicants, so it helps to work with an adviser who can match you to the right lender for your situation.
Front-foot it
If there is adverse credit in your history, tell us early. It is almost always better handled up front than discovered by a lender halfway through an application.
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Free 30 min chat about your options
Tell us about your situation below. Journey Mortgages will be in touch within 24 business hours.
- A straight answer on what you can borrow
- 20+ banks and lenders compared for you
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- A reply within 24 business hours
★★★★★ 69 five-star Google reviews · 20+ lenders compared · Top 25 NZ Mortgage Adviser