Brenda Murney
Mortgage AdviserCanterbury, but I assist clients all over NZ
Brenda is an experienced mortgage adviser, who has worked in the industry for more than 20 years. Starting her working life at BNZ, where she spent 10 years before moving to be a mortgage adviser looking after her own client base.
Brenda is known in NZ as a top mortgage adviser and has been on the NZ Top Advisers list for a number of years now.
Based in Christchurch, and originally from Auckland, Brenda helps people from all around the country. Residential property is her big thing, whether it’s for a first home buyer or helping investors grow their portfolio. As a successful property investor herself, she’s only focused on getting the very best outcomes for all her customers. Brenda is married and has two young children, and you’ll find them at the ski fields in the winter and at the beach during the summer!
Tips for paying off your loan faster
- Pay your loan weekly or fortnightly instead of monthly.
- Offset any savings you have against offset or a revolving credit loan.
- Keep your repayments the same when your interest rate drops.
- Increase your repayments annually.
- Buy an investment property – could pay off your loan in 10-12 years.
First Home Buyers
First home buyers can buy a home from as little as a 5% deposit, new builds or for buying an existing house.
I work with multiple banks to get you approved, find the best interest rates and home loan offers!
Some useful first home buyer links:
- Check you are eligible for First Home Grant
- KiwiSaver first-home withdrawal
- Kainga Ora First Home Loan criteria
- Kainga Ora First Home Partner criteria
Contact me today to find out what you can borrow, and what option you have available to you.
Investment Property
Getting the right advice, and structure is very important. As an experienced property investor myself, I can help you fine tune your investment plan and help work on the best for you – I can work with your solicitor, accountant and bank to make the process easier. Whether you’re buying your first investment property or your third, I’m here to help!
- Lending is available for apartments, properties under construction, leasehold and lifestyle properties, terraced houses.
- Ask me how to use equity in your home to buy a rental property. No deposit required from savings!
- Interest only loans are recommended for investment property loans – helps with cashflow.
Things to think about:
Brightline Test
Loan to Value Ratio (LVR)
Landlord’s insurance
Healthy Home rules
Tax rules on the different types of properties
Helpful link:
Work out what the interest only payments are.
Contact me today to find out what you can borrow, and what option you have available to you.
Resources
How can I help?
If you've got a question you need answering, or are interested in financial advice, I’d love to hear from you!