Mortgage Solutions

For Your First Home

Getting a mortgage means a lot of paperwork and series of events to keep in mind to make sure everything goes well. The mortgage criteria have been tightened massively over the past few years and knowing the right documentation and steps will help you to achieve your goal.

The mortgage process makes you busy than expected especially when you want to find out which bank is offering better deal these days, you might have to complete application and documentation for each bank before they can place their final offer in front of you. The process does not complete here. When you have found out which bank you would like to go for, it’s the time to finalise what loan structure you wish to keep for your home loan and why? And then, ideally, you should your review your home loan at least once a year to make sure that you are on the right track which may include refixing your mortgage, restructuring your mortgage according to changed circumstances or refinancing your mortgage for better deal etc.

In nutshell, the whole process starts with a dream about a getting a mortgage and does not stop until the mortgage is paid off in full. We at Finance Matters not only help you to secure a mortgage but also provide you services to match your future needs towards your mortgage be it refixing, restructuring, refinancing, getting more mortgage or developing strategies to help you pay-off your mortgage faster. We have developed a lot of tools and systems to help you to achieve your goals and committed to doing what is best for you according to changing needs and circumstances. We can also help you to secure a business or a commercial loan and can provide budgeting advice to keep you on top of your finances.

We have access to over 15 lenders to make mortgage product solutions available for every different situation of our clients. Our services are mostly free of any charge. We charge only in rare cases where we are not paid by the lender.

First Home Loan

Looking to buy First Dream Home?

Buying your first home can be exciting as well as stressful. This is probably biggest financial decision of your life so far and heading in the right direction is very important. Talking to your family, friends, researching on internet, talking to your bank or getting in touch with your mortgage adviser can help you to understand overall first home buying process. One of the most critical event is when you apply for your first home loan. So, knowing whether you are ready to make your first home loan application can be time saving and rewarding.

We help our customers all the way through in home loan process and have summarised few practical things to keep in mind before you apply for your “First Home Loan”.

Know your Finances:

Having a good understanding of your household budget is the first step to know whether you ready or not. Use our “Budget Calculator” to know your current household budget. Use our “Mortgage Calculator” to know how much your repayments will be for a particular loan amount and replace that with your existing rental payments in your household budget. Also, allocate a ballpark figure towards few new homeowner lifestyle expenses e.g. House Rates, House and Contents Insurance, Life or Mortgage Insurance etc. which you may not have in your existing household budget. This will give you a fair idea of how your household incomes, expenses and surplus looks like. It is also wise to live for a while with the new budget and keep extra savings aside to know whether you can carry on with your new budget without any difficulties when you have owned a house. Having good surplus even after meeting new homeowner lifestyle expenses is an indicator that you can create a back up for yourself when the home loan interest rates rise in future or you experience changes in your household budget.

Deposit:

The next important thing to know is your deposit amount and source of deposit. Most banks prefer customers having a deposit of at least 20% of the purchase price of the house. Some banks can allow you to borrow with less than 20% deposit if they have the appetite for low deposit lending.

In addition to your bank savings, you can also withdraw most of your savings from your KiwiSaver scheme if you are contributing into the scheme for more than 3 years. Contact your KiwiSaver provider and get a confirmation in writing about your eligibility amount to withdraw from your KiwiSaver account. This will be required by the banks when you submit your home loan application. You can also be eligible for KiwiSaver Home Start Grant from Housing New Zealand. To check your eligibility, please visit the Housing New Zealand Corporation website http://www.hnzc.co.nz

If you don’t have enough deposit, you can try taking help from your family. Your parents may be able to gift you the shortfall deposit, come along as joint borrowers or provide a guarantee by using equity available in their house. This option is worth exploring.

If you still can’t reach up to 20% deposit level, you can try your first home loan under “Welcome Home Loan” scheme which is a Housing New Zealand initiative to help first home buyers. You may be eligible to borrow up to 90% of property value under this scheme but there are certain criteria to be eligible under this scheme e.g. maximum value of the house for your region, income criteria, you must live in the house etc. To check full eligibility details, please visit the Housing New Zealand Corporation website http://www.hnzc.co.nz

Residency Status:

Ideally, you should be New Zealand permanent resident or New Zealand citizen in order to apply for a home loan. Because, if you are not, the banks may not approve your home loan application or may require a higher level of deposit say 30% or higher to approve your application under the non-resident category.

How much can you borrow?

Try our “Mortgage Eligibility Calculator” to know how much you can possibly borrow from the bank. Add this amount to your deposit figure to arrive at an approximate purchase price of your first home.

Start looking for a property of your choice:

When you know approximate purchase price, start looking for properties in this price range. We have given links to some important real estate websites for your convenience under “Resources” menu so that you can do research at your end to know the type of properties are available in this price range and whether you like these kinds of properties or not. In our opinion, you should also visit few open homes to know the locality and understand commuting options from that house because you will be living in that house for a long time if everything goes through.

We recommend that you do this step before you apply for your home loan so that you have a fair idea about the locality and price range of the type of properties you like and once you have pre-approval from the bank, you can start next steps straight away to finalise the property.

Do I get Cashback on securing First Home Loan?

Most of the lenders give cash back to attract the customers which may cover your solicitor, property valuation, building inspection cost etc. involved in the property purchase to some extent. However, lenders will require you to return the cash back in case you repay the lending partially or fully within a certain time period, generally 2-4 years.

If you are borrowing more than 80%, your bank may or may not offer cash back to you but it depends on bank’s appetite for lending at that particular time.

Do I get discount on Interest Rates?

Most of the lenders give a further discount on interest than advertised on their website so don’t settle on the rates advertised by the banks. We can negotiate discounted interest to secure a better deal for you.
If you are borrowing more than 80%, banks may not offer a discount on interest rate and rather charge a Low Equity Margin from you either in the form of increased interest rate added to home rate or as a one-off low equity premium.

Should I keep maximum loan term or reduce it to pay-off my mortgage faster?

We have seen clients asking for shorter loan term so that they can pay off their mortgage faster. It is absolutely fine if this suits you but you don’t necessarily have to. You can pay-off your mortgage faster even without increasing your loan repayments so no need to take on the financial burden of increased repayments. We can design appropriate loan structure for you in such a way that you can keep paying minimum P&I repayments and can still repay your mortgage faster. We can discuss different options based on your financial position and financial goals. We have heard that some mortgage advisers charge a hefty fee for this and we recommend that they don’t. We provide this service absolutely free of cost.

What about Turn-Key Home or Construction Loan as a First Home Buyer?

You can go for a “Turn-Key” or “Land & Build” option and some banks approve up to 90% of the purchase price.

Turn-Key Projects

As the name suggests that you turn the key to move in the house. Under the Turn-Key option, you sign a deal with the builder/developer to purchase a house at a set price prior to the house is built. You pay somewhere around 10% deposit to secure the deal and you can get pre-approved finance from the Bank for the remaining funds when the house construction is complete. In such cases, the bank will allow settling the deal when the Council has issued Code Compliance Certificate (CCC) and the house is ready to move in. The benefit of buying under the turn-key project is that you do not have to purchase land, then find a builder to build the house and start paying him as the construction of the house progresses. You also save the time and effort to get Council approval and consents etc. The house is built as per specifications given by the builder/developer at the time of signing the deal and they can allow minor changes during the construction as per your choice e.g. choosing the colour for carpet and curtains etc. So, you get the house as per your requirement and don’t have to worry about the construction-related hassle. You can also negotiate to get out of the deal (sunset clause) if the house is not ready by a specified time.

Construction Loans

Building your dream home sounds interesting and certainly, it is. So, before you finalise any section, start talking to your architect and builder, it is recommended that you have a good idea of the overall building process, funding arrangement, and documentation required by the bank to approve your construction loan.

Please refer to our Construction Loans section for more details.

Documents required to apply for First Home Loan:

Now you are pretty much ready to apply for your first home loan. Generally, following documents will be required to secure a pre-approval for your first home loan:
– Latest 3 payslips of each applicant
– Latest 3 months deposit bank account statement
– Latest 3 months salary and transactional bank account statement
– Passport of each applicant
– Property details if you have finalised any property so far

In case, any of the applicants is self-employed, the bank will require last 2 years of business financial statements to determine the level of earnings for that applicant.

Get in touch with us:

Contact us on 0800 700 600 and book an appointment to have a no-obligation meeting to assess your overall position and get on to the next steps.

Investment Property Loan

Ready to jump on to the property ladder?

Creating investment property portfolio has been an excellent way of creating wealth. Generally, chances of making capital gains are higher if you are a long-term property investor. New Zealand has been a hotspot for property investors over the past few years.

We help our clients to achieve their dreams of owning rental property and to create their property portfolio. We have created a list of few things to keep in mind when you are ready to purchase your investment property.

Do your research:

There is a lot to keep in mind. Knowing where to buy, which property to buy, the age of the property, property management, and maintenance cost, purchase price vs rental income return, mortgage availability, getting in touch with your solicitor for ownership structure, getting in touch with your accountant for taxation planning are key factors to keep under check.

How much you can borrow:

There are two things to consider when we discuss your borrowing capacity:

1. Maximum purchase price based on equity available in your existing property plus available cash deposit:

Reserve Bank of New Zealand has implemented Loan-to-valuation-ratio (LVR Ratio) lending restriction on residential lending effective 1st October 2016. According to this, you cannot borrow more than 60% against the next property you are looking to buy. This means that you will have to bring 40% deposit to purchase your next property. You can use equity available in your existing owner-occupied property towards the deposit. The difference in existing home loan against your existing house and maximum possible lending against that house is your available equity to use for the next purchase. You can meet any shortfall of deposit from the cash deposit available with you. Reserve Bank has given Combined Collateral Exemption which allows you to borrow maximum up to 80% against your existing owner-occupied property and 60% against your investment property to meet the deposit requirements.

However, there is another exemption available which allows you to borrow up to 80% against your residential investment property if you are buying a brand new property. Approving under this exemption depends on lenders appetite to approve the loan under this option so we can find out which lender is prepared to lend you under this scheme.

2. The maximum possible mortgage that can be approved by the lender based on your existing income and potential rental income:

When we have worked out your maximum possible purchase price for the next property and you decide to go within that limit, we need to check whether your loan will be approved by the lender or not.

We can shop around and find a suitable lender for you to fulfill your needs and will make sure that it is a profitable deal for you.

Interest Only loan

Paying only interest on the investment property loan is possible. Some lenders allow up to 5 years interest only term and after that, you start paying principal and interest.

Do I get discount on Interest Rates for investment property loan?

Most of the lenders give a further discount on interest rates than advertised on their website so don’t settle on the specials advertised by the banks. We can negotiate discounted interest to secure a better deal for you.

Do I get Cashback on your investment property loan?

Most of the lenders are still giving cash back to attract the customers which may cover your solicitor, property valuation, building inspection cost etc. involved in the property purchase. However, lenders will require you to return the cash back in case you repay the lending partially or fully within a certain time period, generally 2-4 years.

Ownership Structure and Tax Planning

You will have rental income from the investment property, which is a taxable income. You can offset your interest cost and some other expenses against your rental income in relation to the investment property. Having appropriate ownership structure can also help you in the tax planning. We highly recommend that you consult your solicitor and accountant when you are buying a rental property to determine the best options for you.

Documents required to apply for Investment Property Loan:

Generally, following documents are required to secure a pre-approval for an investment property loan:
– Latest 3 payslips of each applicant
– Latest 3 months salary and transactional bank account statement
– Latest 3 months existing home loan statement
– Passport of each applicant
– Property details if you have finalised any property so far

In case, any of the applicants is self-employed, the bank will require last 2 years business financial statements to determine the level of earnings for that applicant.

Get in touch with us:

Contact us on 0800 700 600 and book appointment to have a no-obligation meeting to assess your overall position and get on to the next steps.

Refinance your mortgage

Looking for a better deal on your existing home loan?

Refinancing your home loan from one bank to another can be tricky. Calculating the cost of refinancing is very important and the thumb rule is that you should refinance only if it is beneficial otherwise you shouldn’t.

You can refinance your mortgage for one or more reasons:

– To secure better interest rate and cash back offer
– To consolidate your high-interest bearing debts
– To borrow funds for renovation or holidays or other plans
– To move from minoo bank or private lender to mainstream bank
– To diversify your portfolio in multiple banks
– To give a fresh start to your mortgage

Best time to refinance:

Ideally, the best time to refinance your mortgage is when:
– Your existing home loan is due for re-fixing and you don’t have to return cash back to your existing bank; or
– Your existing home loan is not due for refixing but you are paying high-interest rate and since the market has changed, you want to take benefit of lower interest rates combined with new cash back from the new bank; or
– Any other reason has motivated you to move across to another bank

Cost of refinancing:

We will help you in calculating the cost of refinancing and doing a cost-benefit analysis of this exercise. Typically, following costs are involved in refinancing a home loan:
– Fixed loan term breakage cost
– Cashback return
– Solicitor cost to move your mortgage
– Registered valuer’s report cost
– Property discharge cost
– Any other cost depending on the type of property or new bank’s requirements

Use our “Refinance Calculator” to determine whether it is beneficial for you to move to a new bank or not.

Why choose us

Mortgage restructuring

Maybe last time you missed the chance of getting your home loan designed by a professional mortgage adviser and did not obtain personalised financial advice. When we help you move from one bank to the other, we help you to redesign your overall mortgage portfolio to best suit your financial goals and priorities. We can also work closely with your solicitor and accountant if you are also planning to change property ownership and loan structure for tax planning purposes at the same time.

Mortgage freedom planning

We can prepare “Mortgage Freedom Plan” for you so that you can be mortgage free as soon as possible according to your capacity.

Tie-up with all major banks

We have the tie-up with all major banks in New Zealand. This means that we can approach multiple banks at the same time to bring out best interest rate and cash back available in the market for you at that period.

Choose the best option

We can compare deals available through multiple banks to arrive at the best-suited option for you. It will give you confidence and will allow you to take an informed decision.

Smooth transition

We can keep you updated with the status so that you can do the right step at the right time for smooth transition. We also work closely with your solicitor, accountant, valuer or any other person involved to make sure that you can make a stress free move to the new bank.

Documents required to refinance your mortgage:

Generally, following documents are required to process your refinance application:
– Understanding any break cost and cash back return involved in the transaction
– Latest 3 payslips of each applicant
– Latest 3 months salary and transactional bank account statement
– Latest 3 months existing home loan statement
– Latest 3 months statement of all debts being consolidated
– Passport of each applicant

In case, any of the applicants is self-employed, the bank will require last 2 years of business financial statements to determine the level of earnings for that applicant.

Get in touch with us:

Contact us on 0800 700 600 and book appointment to have a no-obligation meeting to assess your overall position and get on to the next steps.

Property Renovation Loan

Considering renovation of your property?

The biggest challenge with renovating your property is to know what exactly you want to cover in your renovation project because the list never ends so it requires a lot of preparation. If you are planning for a non-structural renovation in your property e.g. changing carpet, painting, upgrading kitchen or bathroom etc. the banks can give you funds straight away based on your application and cost estimate provided by you like a top-up loan against equity available against your property.

In case you are planning to change floor area of your property e.g. extending a room, garage, removing load bearing wall etc. or making any structural renovation in your property which requires council consent, the bank probably may not give you all the funds right away and require you to provide them all the required documents like a mini-construction loan.

Contact us for any property renovation loan and we can workshop best possible options for you so that the whole process is less stressing.

Top-up Loan

Don’t get into high interest-bearing loans and try top-up against your home, if possible.

We have noted that some people don’t bother and take a car loan or a personal loan if they are buying a car without knowing the fact that they could take a top-up against their house at Home Loan rate. So, why pay high-interest rate on the car loan or a personal loan when you don’t have to? Money saved is money earned so it’s worth trying top-up option. You may require a top-up loan against equity available in your property to buy a car, traveling overseas, holidays, marriage, helping your family, non-structural renovation in the house or any other legitimate reason.

Contact us for any top-up loan requirements and we can workshop best possible options for you including loan structure so that whole process is smooth and you get money at cheaper interest rates.

Construction Loan

Build your dream home the way you want it

Building your dream home sounds interesting and certainly, it is. And, the good news is that banks give up to 90% of the project cost under construction loans. So, before you finalise any section and start talking to your architect and builder, it is recommended that you have a good idea of the overall building process, funding arrangement, and documentation required by the bank to approve your construction loan.

Do your homework

The first step is to know the whole project right until the end in advance. It means that you will need to work out all the costs involved in completing this project upfront so that there are no surprises at the end.

The process starts with knowing the value and type of the Land you wish to purchase, costs involved to bring Public Services to the site e.g. power, water, gas, phone etc. if already not available, Architect and other associated fees, Council fees for the all the Consents and Permits, House Building Cost, Valuation cost, Legal cost etc.

The biggest cost is building cost so it is ideal to have a Fixed Price Contract with a Master or Certified Builder so that your project cost does not fluctuate while the house is under construction.

Once you have understood the whole project and know the figure, we can discuss loan eligibility and bank options with you so that you can progress on your dream project.

Documents required

Bank will require following documents in order to process your Construction Loan application:
– Income, deposit and identity documents of all applicants
– S&P Agreement for the purchase of the land
– Building Consent, Resource Consent and Approved Plans from local Council
– Fixed Price Contract and Payment Schedule with the Builder
– Registered Valuation Report confirming “As is” and “Upon Completion of the Project” values of the property
– Builder’s Risk Insurance
– Other invoices related to the project such as architect invoices, council contribution etc.

How the bank makes payment during the build?

Bank makes progressive payments at agreed completed stages of the project. Generally, there are four stages when complete triggers the progressive payments i.e. Foundation, Frame-up, Lock-up, and Lining. This is not a thumb rule though. The banks can release payments in between if they the builder’s payment schedule states otherwise and the bank agrees to make progressive payments according to that.

Most of the banks retain last 5% of the project cost which is issued when the Code Compliance Certificate of the house is available. The banks also require Registered Valuer’s Report confirming project completion and House Insurance before releasing this remaining balance.

Can bank ask for Progressive Registered Valuer’s Report?

Generally, the bank requires Progressive Registered Valuer’s Report at the main trigger points mentioned above to confirm the level of work completed at the site but the actual requirements may vary depending on the comfortability of the bank.

Do I have to pay interest on whole loan amount from the day one?

You pay interest on the amount released by the bank on the project. This means that you don’t have to pay interest on the whole loan amount approved by the bank from the day one.

The bank can also allow you to make interest-only payments on the amount drawn so that you don’t have to pay principal payment while the project is in-progress. Once the project is complete, we can help you to restructure your home loan accordingly to your suitability.

Debt Consolidation

High interest-bearing loans are silent killers. Try consolidating these against your home, if possible.

Do you have too many credit card, hire purchase, personal loan payments etc.? Sometimes, it is a vicious circle and you don’t seem to get out of it ever. Consolidating into a home loan can save you interest and you can make one easy-to-manage loan.

Contact us to check if you can consolidate these small debts by taking a top-up on your existing Home Loan. You can save on interest and you can use that money to reduce your Home Loan faster.

We can also help you to structure your consolidated debt in such a way that it does not take forever to pay-off those small debts.

Mortgage Restructuring

A better mortgage structure can help you to get freedom from your mortgage sooner. That’s true but better structure is not the only tool to help you get mortgage free faster. Please refer to our Mortgage Freedom Plan section for more details on how can you get mortgage free faster. Nevertheless, it is important to understand the loan types to understand what loan structure suits you best.

There are many types of loans available in NZ market. The classification of loans can be based on its “Interest” or “Repayment” features.

Interest feature based loans are:

– Fixed Rate Loan
– Floating Rate Loan
– Revolving Credit Loan
– Offset Loan
– Capped Rate Loan

Repayment feature based loans are:

– Table Loan
– Interest Only Loan
– Reducing Revolving Credit Loan
– Non-Reducing Revolving Credit Loan
– Straight Line Loan
– Offset Loan

Not every bank offers all types of loan products mentioned above and each bank tries to keep names of its loan products and its features slightly different from other banks to keep it unique.

So, tough job for you as a customer is to find out the best solution for yourself and the most common questions which can come to your mind are:

– What are the characteristics, interest rate, fees and features of each product available on the market?

– Which loan product is best according to my financial situation?

– Can I choose a mix of loan products e.g. having some portion of my loan on fixed, some portion on floating, some portion on revolving credit etc. and is that suitable for me?

– Should I keep a portion of my loan on interest only?

– Should I go for a shorter loan term of 20 or 25 years loan term 30 years loan term approved by the bank because I want to pay-off my mortgage faster?

– Does loan structure help me to pay-off my mortgage faster? If yes, what loan structure should I choose and how often I should review my loan structure?

There can be an endless list of questions in mind. We at Finance Matters help you to choose the best options according to your bank products, financial circumstances, goals, and priorities. We workshop different options with you so that you can take informed decision and achieve your goal of getting freedom from the mortgage as quickly as possible.

We also provide help to customers who have an existing mortgage and need help on restructuring their existing loans without taking any new loan. Contact our friendly team to work out your options and choose what is best suitable loan structure for you.

Mortgage Refixing

Is your mortgage due for renewal? Let’s negotiate a better rate for you.

When the mortgage fixed rate term expires and it is due for renewal, generally people re-fix/rollover their loans either by clicking on their internet/mobile banking or calling the bank on their 0800 number. Most of the times, they don’t get the best interest rates available in the market because they don’t know what interest rate is being offered by the competitor banks and can they negotiate the same rate with their bank.

We at Finance Matters keep up to date information about available competitive offers in the market and negotiate interest rate on your behalf.

At the same time, we can discuss your “Mortgage Restructuring” to best suit your current financial situation and “Mortgage Freedom Plan” so that you can pay-off your mortgage faster.

Mortgage Freedom Plan

Wish to get freedom from mortgage…sure why not?

New Zealand market has seen a significant surge in the house prices in recent years. There are a lot of contributing factors like increased number of migrants leading to population growth, historically low-interest rates, slow housing supply, and strong housing demand to name a few.

When a family goes into the market to buy their first home, they typically have a very low deposit to offer which is available from their KiwiSaver, savings, and support from family. If they buy a decent house worth $800K (which is lower than median house price in Auckland) and offer 20% deposit i.e. $160K, they are looking at a home loan of $640K. If that family would have bought the same house couple of years ago, they would be looking at buying a similar house in the range of $600K or so and if they would have given 20% deposit at that time i.e. $120K, their home loan would have been $480K. What we are trying to say is, the recent increase in the house prices have put pressure on new entrants to the housing market because their home loan size has increased considerably but incomes have not increased in that proportion for everyone.

We have noticed the anxiety, pressure, and fear in young minds because when they are taking a big mortgage on their head, they are taking a big commitment certainly for a long time which they need to honor in all circumstances no matter what. They also need to make sure that they return the full amount of mortgage along with interest to the bank so that they are mortgage free.

You can’t reduce the principal amount you have borrowed from the bank because that is based on your purchase price and amount of deposit you have put in. At Finance Matters, we guide you to manage your finances in such a way that you get mortgage free sooner and don’t pay unnecessary interest to the bank.

Being the proud owner of your dream home is a great feeling. What you don’t want is the mortgage on your dream home so everyone having mortgage wants to know “How to get mortgage free…faster”. They want to achieve this so that they jump on to the things they have been waiting for a long time during the lifetime of their home loan e.g. go for their dream vacations, upgrade their house, upgrade their car etc. But the real fact is that in order to pay off the mortgage faster, they need to be smarter and make sure that they know which direction they are heading into.

Often, people think that selecting a good loan structure is the only way to get mortgage free faster. In our opinion, loan structure is one essential part out of a range of ways in order to get freedom from your mortgage.

Contact our friendly team at Finance Matters and we can design a personalised plan for you which can help you to become mortgage free faster.

Business Loans

Looking for a business loan…Let’s sort this out for you

If you are looking to start a business and need a business loan, the first thing we will do for you is the possibility of getting maximum possible lending against your residential property(ies), if you have. Business loans are expensive loans because you will have to pay high-interest rate with shorter loan term. So, maximum you can borrow against your residential property(ies), is definitely going to help you because you will not be paying high interest and can plan for reduced repayments till your business takes time to grow and has started running smoothly.

We have tie-up will most of the major banks and we can negotiate on your behalf to secure a good deal. Whether you are planning to start a new business, buying a franchise or looking for major capital investment in your business, talk to the friendly team at Finance Matters to discuss your options today.

Commercial Loans

Looking to buy a commercial property, Let’s sort this out for you.

If you are looking to buy a commercial property whether it is a retail shop in business complex, a hotel, an office building, any property classified as commercial by your local council or any property classified as mixed-residential by the council, the first thing we will do for you is possibility of getting maximum possible lending against your residential property(ies), if you can. Commercial loans are expensive loans because you will have to pay high-interest rate with shorter loan term. So, maximum you can borrow against your residential property(ies), is definitely going to help you because you will not be paying high interest and can plan for reduced repayments.

We have tie-up will most of the major banks and we can negotiate on your behalf to secure a good deal. Talk to team Finance Matters to discuss your options today.

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