Call 7 days a week 0275 476 739

craig@craigpopefinancial.co.nz

Let’s Chat

Tips to getting approved

Our Services

$

First Home

$

Next Home

$

Refinancing

$

Investment Property

$

Money Planning

$

New Build / Construction Loans

$

Kiwisaver & Insurance

Craig Pope Financial is a KiwiSaver mortgage company servicing Kapiti Coast & Wellington

We’d love to chat with you to figure out how we can help, so please use the Contact option on this website to book a personalised consultation.

Book a consultation to find out the cost of a professional mortgage broker.
mortgage broker wellington
  1. Keep your day to day bank accounts tidy and avoid going into unarranged overdraft
    Little things like this can make or break an approval as going into unarranged overdraft on your account suggests you have trouble spending more than you earn. This includes credit card statements. Provide statements for all bank accounts when applying for a mortgage.
  2. Be prepared
    Be prepared and have as much info as possible, as per the checklist, for your Craig Pope Financial adviser. The more complete an application is, the better chance of approval.
  3. Disclose everything
    That includes debts you are about to pay off, Laybys and ALL credit card and store card limits (even if you pay off monthly and the balance owing is zero). Declare all cash assets even if you are planning to hold back some cash after the purchase
  4. Avoid short-term debt!
    Try and resist taking on new Laybys, HPs and store cards as this can eat into your borrowing power, or pay off existing debt while saving if you can. Also avoid having credit checks done on you by multiple financiers.
  5. Seek stable permanent employment
    Casual jobs and hours are difficult to use as income in an application without a lengthy consistent history.
  6. Make sure your business financials are up-to-date
    If self-employed (ideally 2 full years) having a year to date Profit and Loss (think Xero software) is also helpful.
  7. Try and establish a savings history
    KiwiSaver is still savings, but being able to save adds weight to an application.
  8. Seek advice from expert Wellington & Kapiti Mortgage Broker Craig Pope!
    It’s the little detail that can make a difference between approval and decline, lenders don’t approve loans on loyalty, so even your own bank may not be the best fit when it comes to borrowing money.