Frequently Asked Questions

Why use Tailored Home Loans?

We offer personal service guaranteed, provided by an experienced lender with proven success. We also have access to over 20 Lenders, including main banks, and are accessible via Phone, Email, Skype, or In-Person.

How much does it cost to use Tailored Home Loans?

In the majority of cases, you can use Tailored Home Loans at no cost to you, as the bank or lender will typically pay for our services rather than the client!

If I have bad credit can I get a Home Loan?

Yes, even with bad credit history, there are lenders that will approve lending to clients. It is best to speak with us about your financial situation so we can advise you on which lender to approach or create a plan to correct credit issues in order to obtain approval in the future.

How do I use my Kiwisaver to buy a home?

If you have been paying the minimum contribution amount to Kiwisaver for at least 3 years, you are eligible to apply to withdraw Kiwisaver funds to buy your first home. You may also qualify for a First Home Grant, which is up to a maximum of $5,000 per person for an existing residential property with a house, or up to a maximum of $10,000 per person for a new build that is up to 6 months old from the date the Code of Compliance Certificate is issued.

For more information on home ownership using Kiwisaver, including eligibility for a First Home Loan Grant check out the link below.

https://kaingaora.govt.nz/home-ownership/kiwisaver-first-home-withdrawal/

If I have been self-employed for less than 12 months can I get a Home Loan?

Yes, there are a lot of factors that are considered in giving a home loan including, previous employment history, type of industry, customer base, deposit, and secondary income from a spouse. In this situation, it is best to call and discuss your financial situation so that we are able to help you with an application immediately or devise a plan to help get you approval in the future.

What banks and lenders do you work with?

We work with main banks and other lenders. There are over 20 options available depending on the customer's financial situation, and we are happy to discuss these options to find one that best suits your needs.

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