Kiwi Home Buyers

09/05/2024

Happy Friday everyone!
🚨JUST SOLD‼️
🛌 4 🛀2🚘 2
📍 628A TE ATATU ROAD, TE ATATU PENINSULA
Congratulations to Micheal and Antonina on the sale of their home. Super excited for our purchasers as well.
Thank you Liyan Wang Real Estate for the collaboration.

27/05/2019

Enjoyed lunch today with Mortgage Broker Mentor, Business Coach, Entrepreneur and good friend Mark Blundell.
Thanks again for your inspiration and guidance!

04/01/2019

Welcome to 2019!

No doubt you're enjoying time with family and friends as you contemplate what the new year has in store for you...

What are your personal goals? Join the gym and maybe lose X number of kilos?

What are your financial goals? Find a new job?

Or how about leaving the workforce altogether and start a business?...

Is buying a home part of your 2019 plan?

Like the saying goes you can’t hit a target that you can’t see...
..and if any of the above resonates with you - let's talk and discover what's possible right now.

The good news is...

1. Bank lending criteria is better for buyers

2. Buyers market means more home options

3. Mortgage interest rates are lower than 12 months ago

4. Yes...you may still be able to buy a home with credit issues.

5. Yes...you may still be able to buy a home with some consumer debt.

6. Yes...you may still be able to buy a home with less than 20% deposit.

(In 2018 I helped clients in the above positions to buy a home)

Hit the link below and complete the survey to see if you qualify

Bit.ly/mikepero-survey

The point is it takes change to make change and if you do the same thing you did last year...you’ll get what you got last year.

Talk soon 🙂

Schedule your appointment online Mike Pero Mortgages

02/12/2018

Hi

Just wanted to share a scenario which was a bit out of the box for one of my clients.

This professional couple had very good income and 10% deposit.

Although a kiwi, one of them is based in the UK so banks viewed their situation differently from a NZ based worker.

For borrowing purposes overseas income was scaled back and then taxed at the local (UK) tax rate.

After this they could still afford mortgage repayments.

Another complication came when the bank wanted a bigger deposit to reflect the higher risk status of being based and paid overseas.

They approached mum and dad for help.

As a result, mum and dad gifted them enough equity to buy their first home while accessing special rates (at the time of this writing – less than 4%.)

They received the keys on Friday and sent me this text

"We got the keys!!! Thank you so much for all your help! It was far from easy but so worth it. Thanks for everything!"

This text made my weekend – and reminds me of why I love my role.

If you're in a similar situation to this or know someone who is and seeking some direction, please reach out. I'd love to help!

21/10/2018

As a home owner with a mortgage you should always consider ways to repay this faster.

If you’re sitting on credit card debt or loans that could be consolidated into one payment then you have options.

I have an approach that can help sort out your current debts and pay off your mortgage quicker WITHOUT increasing your current monthly payments.

It won’t cost you anything but a few minutes to talk about your situation.

Type INTERESTED in the comments section and I’ll reach out privately via messenger to discuss if I can get this outcome for you.

Alternatively, complete the survey below to see if you qualify.

Bit.ly/moneysaver-survey

Talk soon!

Lance

View this form on Formsite

14/10/2018

Attention: Home Buyers With Bad Credit

I’ve had a number of enquiries from the above buyers asking;

“Lance, With bad credit can I still buy a home now?”

In short - Yes...BUT there are 5 things you need to know BEFORE seeking an approval.

1. Confirm your credit score with one of these 3 Agencies: Equifax, Dun & Bradstreet or Centrix.

2. You need a minimum 15% deposit (KiwiSaver for first home buyers )

3. The lender won’t be a Bank so going to your local branch for a home loan is a waste of time.

You also run the risk of putting your already weak credit score into free fall.

4. If you live in the main centres where prices are over 400k your combined yearly income should be at least 100k before tax.

5. No more than 15k in Personal/car loans.

If you tick the above and still keen to buy a home, great! You’ve just passed the initial screen test.

Drop me a text/call and we can discuss next steps 🙂

Lance
021 795 793

Like our page to stay uptodate
*Complete the Survey to see if you qualify
Bit.ly/mikepero-survey

11/10/2018

Have you ever rented a nice place only to have the landlord raise the rent within a few weeks?

Noticed how the bathroom could do with a makeover...but because you don't own the place, there's little you can do?

Me too...

As a young fella I thought renting was the key to my independence and financial security.

Man was I wrong!

Like Angry landlord who turned up unannounced...

Cheap landlord who refused to spend $20 on a security light...

Noisy neighbours who start fighting after a few drinks...

I moved 3 times in one year - it was stressful and at the time I craved stability!

When it all became too much, I had 2 options:

1. Give up and move back home with mum and dad

2. Buy my own home and discover “how to do it” by finding the right people who knew how to make my dream of home ownership a reality.

Obviously, I chose option 2. I decided to go find the best minds in real estate and mortgage lending then learn from their advice.

Following those who made mistakes and overcame them is the best way to find shortcuts that lead to real success.

And because of that I've created a process that you can’t ignore today.

If you want to:

- Purchase a home by following a successful framework which takes you from home buyer to home owner in as little as 4 weeks.

- Break out of the renting cycle and stop paying someone else's mortgage

- Increase your equity to buy another home sooner than you thought possible.

Then you can have a home and begin a legacy you and your family can be proud of.

Sound good?

Awesome!

Lance

* Like our page to stay uptodate
*Complete the Survey to see if you qualify:
Bit.ly/mikepero-survey

05/10/2018

Everyone has good intentions.

You see and hear it on social media all the time, especially at the end of the year BBQ or work function when friends and family are talking about their new year resolution.

Many people continue to live on Some day Island.

You know...Some day I'll lose weight, some day I'll get a better job, some day I'll stop paying rent and buy my own home...

but it doesn't happen or you give up on your dream before you've even left the starting blocks.

My advice - Vote yourself off the Island and make Some-day To-day...

Like taking action on your dream Now!

Following my previous post a number of you have completed the survey and I applaud you for taking that simple (yet challenging) step.

In return I've spent this week following up with as many of you as I can, especially those who I believe might be ready to buy a home now.

Next week is more of the same...meeting a select number of buyers whilst, ringing, texting and emailing as many survey respondents as possible.

It doesn't matter if you're not ready to buy just yet!..

Let's talk and set some goals.

Comment below with "I'm interested" and Ill get back to you.

Your some day is here.

Talk soon,

Lance 🙂

Like our page to stay uptodate
*Complete the Survey to see if you qualify
Bit.ly/mikepero-survey

29/09/2018

If you’ve been looking to buy a home and haven’t done so already, may I encourage you to take the next step and find out how much you can buy a home for.

Why? Here’s 4 reasons:

1. Interest rates are at historic lows
Back in 2009, interest rates were close to 10% - today they are half that.

2. Prices are steady
House prices have flattened and in some areas, gone down so it’s a good time to buy.

3. KiwiSaver
Most first home buyers are using their Kiwisaver for deposit.. and in some cases, the HomeStart Grant has helped.

4. Specialist lender Support
Specialist lenders are more flexible than banks so can help those who would not otherwise qualify for a home loan.

With bad credit there is still hope. I have helped several buyers in this position.

If you’re keen to buy but not sure where to start, complete this quick survey to see if you qualify!

Bit.ly/mikepero-survey

Happy house hunting!

Lance

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16/08/2018

Hello everyone,

Just wanted to congratulate our recent first home buyers!

Taulia & Lani, Noeline & Joe, Kristin & Mel, Henry & Bernie, Tania & Rata.

Also a big congratulations to Paul and Louana who are about to settle into their first rental property in the coming weeks.

An exciting outcome for truly outstanding people.

Nice one team!

If you’ve been thinking about buying a home but not sure where to start, please reach out.

Im happy to answer any questions on the process.

Have a safe weekend!

Lance

*Like our page to stay uptodate
*Complete the Survey to see if you qualify
Bit.ly/mikepero-survey