We are here to give you Professional advice
We are qualified financial advisers and have gone through formal study in order to offer these services. Whilst the minimum requirement is a level 5 certificate, Our director Sam also has his Bachelor Of Business Studies Majoring In Property. In addition to being a property investor since he purchased his first investment property at the age of 21 while serving in the Royal New Zealand Navy. With a growing portfolio of 5 properties as of 2021, he knows the process, risks and strategies to grow a retirement plan.
You want a broker that has personally experienced and gone through the ups and down’s of the market, the process of buying different types of property and for self-employed clients, knowing what it is to run a business.
Every mortgage broker has their own area of expertise and we cover as many of these area’s as we possibly can, while looking to recruit other adviser’s that can cover any gaps in knowledge we may have.
A broker who “knows everything” is a dangerous broker. The market is too big with too many regular changes for somebody to know everything. The strength in us, is knowing that although rare, if there’s something we don’t know – we know how to find the answer.
We work with our clients to understand your goals, future aspirations and current position so we can see what options are available now and what we need to do, together – to achieve your goals in the future.
We are always up to date and working for you!
Better Service
Nobilo Finance was born from the desire to provide excellent customer service and turnaround times for clients. Time is precious and there is nothing more frustrating than applying for a mortgage, then the banks come back to you for 1 piece of information, then another, then another, instead of everything in one go. Our experience ensures that when we come back to you, it is for everything needed so you are only called again - if that information raises further questions.
Market Rates
Due to our volumes we have more negotiating power on rates than you as an individual. If the banks offering isn't fair and in-line with the market, we will back you when going back to the lender highlighting what is available elsewhere if they don't match or amend their offer. Because we work with most lenders, we are always up to date on what is available in the market.
Better Advice
Having started as an asset finance brokerage, our company succeeds by being fast and efficient, this same skillset is transferred to our mortgage offering to ensure we are fast, efficient and save you time
We look at your current situation and advise alternative options
Purchase a new owner occupied home
Purchasing Your First Home Or A New Owner Occupied Home Is A Big Step For Anybody. We Not Only Help Source An Appropriate Mortgage, But Can Help Project Manage What You Need To Do At Each Stage. We Let You Know When You Need To Find A Lawyer, Building Inspector, Seek Kiwisaver Advice Etc.
Purchase A New Investment Property
Investment Properties Can Be A Fantastic Option To Secure An Enjoyable Retirement. Whilst Regulation Is Constantly Changing In This Space, As Property Investors Ourselves, We Are Up To Date With Changes And Funding Restrictions. We Will Work With You For Your Goals And Finding The Appropriate Method To Reach Them.
Refinance Existing Lending
Are You Unhappy With Your Current Lender? Or Are They Just Not Providing You With The Service Or Results You Need? We Can Have A Look At Your Current Situation And Advise Alternative Options Available Without You Calling Every Other Bank Or Second-Tier Mortgage Option.
Topping Up An Existing Home Loan
Due To The Changes In The Responsible Lending Code, Topping Up A Mortgage Is Not As Simple As It Used To Be. The Paperwork And Requirements Are The Same As Taking Out A New Mortgage – So Why Not Ensure When Going Through The Process, We Check That The Current Bank, Is The Best Place To Stay?
We are with you every step of the way
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Free Consultation With Sam To Understand Your Goals And Budget
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2
We Help You Collect And Organise Supporting Information For Your Loan
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3
Together, We Will Help You Work Out A Loan Structure That Suits Your Needs
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We Send Through Your Application To An Appropriate Lender After Agreeing And Discussing This With You.
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The Loan Provider May Come Back With Some Questions For You, Depending On The Complexity Of The Application
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Once We Answer All Their Questions, You Will Get An Approval From The Provider With Conditions
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Once You Meet The Conditions With Our Assistance, We Will Arrange Documents And Payout For Your New Property, Congratulations!
Recent Case Study
01
Married Couple With 2 Children Had An Opportunity To Buy A Business Worth $450k But Needed To Utilise Equity In Their Property. We Helped Them Topup Their Mortgage To Within The LVR Restrictions, Whilst Securing A General Security Agreement Business Loan, Backed By The Property Up To 100% Of The Property Value, To Secure The Last $100k. This Is From The Same Bank They Had Tried Approaching Directly And Said They Couldn’t Assist.
Hundreds of
new clients helped every month, let us help you be our next success story!
Hundreds of
loans secured for our clients every year
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Client Was Self Employed Looking For A New Premises To Run His Auto Workshop From. He Was Growing Exponentially And Needed More Space And His Lease Was Nearly Up. He Worked Out That The Lease Cost Of A New Space Was Substantially More Than A Mortgage Would Be, But He Had No Deposit. Through A Major Banks Commercial Policy We Raised 65% Of The Loan As A Mortgage Over 15 Years And The Remaining 35% As An Unsecured Business Loan Over 5 Years. The Repayments Initially Are Higher, But This Resulted In Minimal Interest Paid And Securing A Building To Own, Rather Than Lease.
Our mortgage brokage services are 100% FREE for main banks
**Note, This Applies To All Main Banks, If The Transaction Is Of A Second-Tier/High Risk Nature, Some Providers Do Not Pay Us And A Broker Fee Is Included Within The Loan. If This Will Be Required, This Will Be Disclosed Up Front.
Get in touch for consultations
Get quotes and best rate from lenders
Let us help you organise your supporting documents
Let us help you get your loan approved
"We have helped thousands of Kiwis with their loans, and we are passionate about it
- Sam Nobilo (Director)
well established reputation
We reduce the barrier for our customers when it comes to borrowing money. Nobilo Finance offers more than just loans, we also offer great values.
We help more than
80+
New clients every month
Our fastest record was
13 minutes
To review and approve a loan
As a testament to our service
1 in 3
Transactions is a repeat client
"We have helped thousands of Kiwis with their loans, and we are passionate about it
- Sam Nobilo (Director)
All Services
Marine loan’s
From jet skis and trailer boats to launches and yachts, we will have a solution for you.
Vehicle loan's
Time to get rolling ? No matter the age or size of your new set of wheels, we can help.
Truck loan's
Looking to move more goods? From curtain siders to logging trucks, we will have a line of funding for you.
Caravan loan's
Time to explore the country? We have multiple options for your new mobile bach or home!
RV & Motorhome loan's
Prefer not to tow your home? If you want a home away from home on wheels, we can help!
Business Loan's
Time to expand your business? Raise business capital with a loan and scale your business.
Due to our expertise in asset finance and mortgages, we have multiple main bank and non-bank options.
Equipment loan's
Upgrading your equipment? buy your new equipment with our asset finance solutions. Looking at large purchased over $250k? We have main bank solutions more flexible than your standard 5 year term loan.