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Case Studies 


The following are actual cases where Mortgages Solutions came to the rescue. We've removed any names which might compromise confidentiality but each situation was exactly as described here, as were the outcomes...

The Case of The Out-of-Townhouse

A visiting English woman wanted to buy a townhouse in Christchurch so she could use it on trips here to see her family. She found the one she wanted but had to return to England before purchasing. Mortgage Solutions managed the entire process for her by phone and fax. We even obtained for her a mortgage for 85% of the property's value (non-residents are not allowed to borrow more than 60%) simply by getting her to include her NZ-based daughter on the mortgage document.

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The Case of The Kiwi in Paradise

An ex-pat Kiwi living in Vanuatu wanted to buy an investment rental property. Not only did we achieve this, again totally by phone and fax, but Mortgage Solutions were also able to obtain the mortgage without any application fee or ongoing costs.

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The Case of Empowered Retirement

A 50-year-old man who owned his own home and had an income of $35,000pa was referred to Mortgage Solutions by his real estate agent. He wanted to buy an investment rental property to provide an income for his retirement. Using a smart investment mortgage product we were able in the space of 6 months to set him up with 3 investment properties returning 14% gross, along with a more tax efficient structure. We even negotiated nil application fee and no ongoing refixing fees (commonly charged at the expiry of a fixed interest period).

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The Case of Mum's The Word

A recently separated woman-with 2 children and on the DPB came to us via her real estate agent. She had a $10,000 deposit and was seeking the security of owning her own home. In spite of her limited income Mortgage Solutions obtained for her a 90% mortgage with her mother as co-borrower. She now lives in her own $100,000 flat.

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The Case of Doing The Homework

Two young people with large student debts and a savings of $6,000 approached Mortgage Solutions to try and buy a $120,000 house. With their good future employment prospects and combined salaries totalling $50,000, we were able to get them a 95% mortgage. They bought their house-paying no application fee along the way.

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The Case of Pain To Gain

A couple with a home and one rental property were having difficulty meeting their mortgage payments. Mortgage Solutions were able to put them into a tax efficient structure using smart investment products, thereby gaining them a reduced tax rate. They went from a struggle to having an extra $50 per week freed up.

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The Case The Business Blues

A client declined by both his own Bank and a well-known mortgage broker, approached Mortgage Solutions looking to use the equity in his home to purchase a rental investment property. His problem lay in the financials completed for his business, which had been compiled to minimise tax. We devised a solution where by setting up a LAQC (Loss Attributing Qualifying Company) with his income earning wife as sole director, the company financials were removed from the equation, and the couple have gone on to own over a dozen rental properties.

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The Case of The Missing 15 Years

A couple with a standard table mortgage over a 25-year term came to Mortgage Solutions to see if they could pay off their mortgage sooner. By shifting them to a combined fixed/floating mortgage combination their mortgage will now be gone in 10 years, saving them tens of thousands of dollars in interest payments.

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The Case of The Crocodile Chews

Two of our clients, who had just obtained their mortgage through us, had the distressing need to urgently return to South Africa to grieve the passing of a family member killed by a crocodile. Several months after their return the burden of the expense of their emergency travel was taking its toll on their mortgage. Mortgage Solutions liaised between them and their bank for some compassionate grace, and they are now back on top of things.

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The Case of The Interested Businessman

A businessman came to Mortgage Solutions seeking the cheapest interest rate around. While low interest rates are a great thing, after looking closely at his situation we discovered we could change the actual structure of his loans. The result? A savings in interest payments of around $3,000 per year.

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The Case of Getting In Touch...

As the above examples prove, Mortgage Solutions not only make mortages easier, we often make them possible where all others have failed. And with our many outstanding ancillary services, the package is as good as it gets. Simply get in touch with us and start experiencing our "never give up" attitude and "can't do enough" service-you'll never want to go back to the ordinary again! Click here to contact us now!

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