Loan Market Kyle Reardon - Products

KiwiSaver is an essential part of your financial journey, helping you save for your first home and build wealth for retirement. For many, KiwiSaver will be the largest asset they have outside of their home, yet it often doesn’t get the attention it deserves. People tend to treat their KiwiSaver like a regular savings account, without considering the important role it plays in their long-term financial goals. To better support our clients, we’ve partnered with Kōura Wealth, a Kiwi-owned KiwiSaver provider, to help you review your KiwiSaver account and ensure it’s set up to achieve the financial future you deserve.

One of the key questions you need to ask yourself before you take out a personal loan is whether you'll go secured or unsecured. Even though you could probably get more money and a lower interest rate with a secured loan, you need to weigh up the risk of having an asset as security. We will talk you through the options and, based on your financial situation and needs, recommend competitive loan options for you. We can help you find out how much you can borrow and understand your repayments.

It's common to start to thinking about refinancing when interest rates or personal circumstances change. If you’re refinancing for a better home loan, the most important thing to consider is the long term benefits against the actual costs of refinancing. Many Kiwis are refinancing their home loan for a number of reasons, including to: * Consolidate debt * Borrow money to renovate or invest * Secure a competitive home loan interest rate * Move from a fixed home loan rate to a variable home loan rate, or vice versa Refinancing your mortgage is not an easy decision. I can help you do the sums, taking into account all the costs of mortgage refinancing, to help you determine whether or not refinancing is the right move for you.

Investment loans vary depending on what you’re looking to achieve, and can be either very simple (like your standard home loan), or something more complex that helps you make effective use of tax, gearing and repayments. You can also make good use of loan features such as redraw, offset and additional repayments to help manage your investment loan. The range of investment loans and loan features available to suit both new and experienced investors is now quite extraordinary and which investment finance method you choose will depend on a number of factors, including whether or not you are carrying existing personal debt in the form of an owner-occupier mortgage or personal loans and other debt. Generally speaking, it’s better to pay off personal debt first, minimising investment debt as much as possible during this period.

Your home loan is a large and often long-term financial commitment, so it makes sense to get it right the first time. What’s right for you will depend on a range of factors including the size of the loan you require, the property you intend to purchase, your other financial goals, the deposit you have and your lifestyle. I will help you gain a good understanding of the types of loans available, the home loan process and what the banks require to approve your loan application. As a Loan Market adviser, I have access to a wide range of banks and secure mortgage lenders, so you can be sure the home loan you choose is competitive.