Mortgages Made Easy
Mortgages Made Easy
TRUSTWORTHY
MORTGAGE
ADVICE.
TRUSTWORTHY
MORTGAGE
ADVICE.
Whether it’s your first home or looking to build, you’re upgrading, refinancing, refixing or adding to your investment portfolio, I can help provide the right knowledge and advice
Whether it’s your first home or looking to build, you’re upgrading, refinancing, refixing or adding to your investment portfolio, I can help provide the right knowledge and advice
MY
STORY
Michael Anastasiadis is a registered Mortgage Adviser / Mortgage Broker in Wellington through NZ Financial Services Group Limited, working in Bozinoff Mortgages, a boutique award winning Mortgage Finance and Insurance Brokerage. FSP Number FSP558426.
My passion is helping clients to reach their property and financial freedom by processing and gaining high quality finance approvals and solutions.
I deal with all financial institutions, from the main banks right through to second/third tier lenders as well as private funders. Helping to facilitate a professional and harmonious dialogue to enable us to get our applications over the line and grow the Company’s reputation through reliable and accurate loan applications and dealings.
Prior to joining Bozinoff Mortgages in 2017, I had spent 17 years at Inland Revenue in a variety of roles, including Investigations, Compliance & Intelligence and in leadership roles for the Business Analysis and Project Management professions.
When I am not processing loans or meeting with clients, I spend my time with my lovely family, beautiful wife, 2 sons and a daughter as well as the family dog. I can also be found running early in the mornings or being a golf caddie for the kids. I also love hitting the central plateau in winter for skiing.
MY
EXPERIENCE
-
Owned Multiple Houses
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Owned an Investment Property
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Been a Landlord
-
Purchased Land and Built a new home
MY
WHY
Some Tips For Future First Home Buyers – It’s Not All Doom & Gloom 🏡🏦
Some Tips For Future First Home Buyers - It’s Not All Doom & Gloom 🏡🏦 My latest video providing some tips for future first home buyers: https://www.youtube.com/watch?v=0w84cHwvdGU I’d love to talk to you about your finance and mortgage needs! Learn more...
Mortgage & Interest Rate Update🏡🏦
My latest video updating on everything in the wonderful world of mortgages and interest rates: https://www.youtube.com/watch?v=5QqscXZ5c7o I’d love to talk to you about your finance and mortgage needs! Learn more here: https://www.michaelmortgageman.co.nz/... More...
Mortgage & Interest Rate Update🏡🏦
Mortgage & Interest Rate Update🏡🏦 {Wellington New Zealand} My latest video with a mortgage and interest rate update and also explain why getting a pre-approval is so difficult. https://www.youtube.com/watch?v=nBUmgpZBwKg . I’d love to talk to you about your...
Introducing John, Client Services Manager🏡🏦
Introducing John, Client Services Manager🏡🏦 In my latest video I introduce John, my Client Services Manager. John has many years of banking and lending experience which will help YOU - my clients. https://www.youtube.com/watch?v=vCXtdHX_Tm0 . I’d love to talk to you...
Interest Rates & Break Cost 🏡🏦
Interest Rates & Break Cost 🏡🏦 My latest video on Interest Rates & Break Costs. https://www.youtube.com/watch?v=ICgrbZQq3ng&t=26s . I’d love to talk to you about your finance and mortgage needs! Learn more here: https://www.michaelmortgageman.co.nz/blog/...
Breaking News: First Major Bank Introduces Debt to Income Ratio 🏡🏦
Breaking News: First Major Bank Introduces Debt to Income Ratio 🏡🏦 See my latest video for the details which will impact all first home buyers and property investors looking to buy a property with a mortgage: https://www.youtube.com/watch?v=wzuW67OMemk . I’d love to...
Transition Phase For Housing, Mortgage & Interest Rates 🏡🏦
My latest video sharing my thoughts and observations on how New Zealand is at the start of a transition phase for Housing, Mortgage & Interest Rates. https://www.youtube.com/watch?v=GYR6LM_VXcI . I’d love to talk to you about your finance and mortgage needs!...
Six Interest Rate Increases Within Two Months & Lending Becoming More Difficult 📈🏡🏦
Latest video about Six Interest Rate Increases Within Two Months & Lending Becoming More Difficult: https://www.youtube.com/watch?v=F5wyHKOxCFI I’d love to talk to you about your finance and mortgage needs! 👉 Learn more...
Mortgage & Interest Rate Update 🏡🏦
Mortgage & Interest Rate Update 🏡🏦 My latest video discussing the increase to interest rates and some of the difficulties for first home buyers and investors getting a mortgage from the banks at the moment. https://www.youtube.com/watch?v=BLdumzCiJGI . I’d love to...
CCCFA Making Lending Painful 🏡🏦
CCCFA Making Lending Painful 🏡🏦 My latest video discussing the changes to the CCCFA making lending painful for first home buyers and property investors. https://www.youtube.com/watch?v=0fBssGbLRwA I’d love to talk to you about your finance and mortgage needs! Learn...
MY
SKILLS
Mortgage Planning
Michael assists you with the application process and then arrange your approval, confirm the amount you can borrow and provide you with an approval letter(s) received from the lender(s) and go over any conditions.
Mortgage Advice
Michael will look at your situation to ensure that you are on the best interest rate and ensure that you have a generous cash contribution. Michael provides structure and mortgage debt reduction advice.
WHAT I
DO
I will ensure that your loan is approved from the appropriate bank that suits your needs and situation.
I will get you get the best possible deal possible from the bank.
Most importantly, I will look after you along the entire journey, taking time to answer all your questions and provide you with tips and tricks along the way. Learn more about why you should use a Mortgage Broker HERE
Love to have fun and share this with you to take any stress out of any situation
Read more about what I do:
FREQUENTLY ASKED
QUESTIONS
What do your services cost?
My services are free! Yes, that’s right, I get paid by the Banks. There are time when I have to charge a fee, but that is when I cannot get you lending from a mainstream bank or third tier bank and will discuss that with you well in advance.
I am not in Wellington, can you still help me?
Yes, I can help anyone throughout the world! I have clients all over NZ and have current active clients based in the U.K, France, USA and Australia.
Should I use the Bank or Mortgage Adviser?
Why? Banks are not like they used to be. They are pushing clients to bank online or over the phone. You want to see a Banker, you need to try and fit in an appointment around lunchtime like everybody else. Plus, the added drama of finding a carpark! Then, they likelihood is that the person you meet at the Bank will not be there in 3 – 6 months time.
The Banks push products to fit you into their criteria. A Mortgage Adviser will a solution that works best for your situation. Low deposit or poor credit history? There are options available.
No need to worry about going to the Bank, feeling like you are begging for money, asking them to do you a favour.
A Mortgage Adviser comes to you. A Mortgage Adviser answers your calls anytime. A Mortgage Adviser is hungry for your business and is out to impress you … why … so we can get more referrals and new clients.
Over 40% of mortgage lending in NZ is done through Mortgage Advisers and this stat keeps growing.
Don’t waste anymore time, come to a Mortgage Adviser and let us do all the hard work for you. Let the Mortgage Adviser meet you when it suits you. Let the Mortgage Adviser buy you coffee and worry about making your situation work.
TESTIMONIALS
Michael made the process of applying for our first home loan easy to understand and much less intimidating. He explained each step without being patronising so we understood exactly what we needed to do when. He was always happy to answer questions, no matter what time of the day, even taking time out of his Friday night to call and explain the bank’s loan offer. We had a tight deadline for obtaining a loan offer and Michael persistently chased the bank to make sure we got it on time. He helped us get a good offer from the bank which we couldn’t have managed by ourselves with only a 10% deposit. I would highly recommend his services to anyone buying a house, particularly first home buyers. He helped relieve stress at a very stressful time and we’re very grateful for all his hard work.
Michael’s handling of obtaining a mortgage for us was superb. After being turned down by our own bank he was able to go back and secure our new mortgage from that bank swiftly. He’s like the action man of mortgage brokers. He’s professional, thorough, a brilliant communicator/informative, honest, supportive throughout the whole process and a genuinely great person to have on your team during a demanding process. We thoroughly recommend Michael Anastasiadis as a mortgage broker/mentor. Thanks to Michael we are off to live the dream in our new home.
I got my first home through Michael. I am planning to stick with him for future buying as well. He is very good and quick to respond. He got the best rate and cash back from the bank. Even he helped me to sort out my insurance deal. He is very informative and educate us with those information. Thanks Michael. Keep going with your good works.
No matter what time we need advice from Michael, weekends, late evenings or even on Christmas holiday, he is there and responds fast. On the tender days, he’s there praying for good result and waiting for any emergent special request from us. The whole process was smooth with help from Michael, pre-approval, communicating with bank, going unconditional, deposit payment, etc. Thank you again for all the support and help in the whole 2018, Michael!
I found Michael very professional , he was an absolute pleasure to deal with through the whole process , he kept us informed every step of the way, nothing was ever an issue for him. Michael helped us get the funds we required for my business and for home renovations , and get us the best possible interest rates Highly recommend Michael to any person looking for a mortgage broker
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TOUCH
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Privacy Policy
First Home Buyers
Purchasing your first home is exciting but without professional assistance, the challenges can seem daunting and overwhelming – liaising with Real Estate Agents, lawyers, accountants, valuers, insurance and the big one, the mortgage!
I can help by arranging pre-approved finance so you know how much you can spend. I will be there through the entire process from placing your offer, selecting a lender and the loan structure. More importantly, I will negotiate a sharp interest rate and cash contribution for you.
It gets better, if you take out a mortgage with one of the main banks, my services are free!
You will no doubt have questions about the deposit required, do you have enough income to service the loan or may be concerned about your credit history or that you don’t have NZ residency yet. Let me help and answer all your questions.
If you would like to meet for a coffee to discuss how I can help you achieve your first home, then enter your details below.
Apartments
If you are buying the apartment for you to live in yourself, you will require a 20% deposit. If it’s going to be an Investment Property (a rental) you will require a 30% deposit.
Here is the basic info I require to help you buy an apartment:
* The draft Sale & Purchase Agreement
* The Pre-Contract Disclosure
* The apartment itself needs to be at least 40m2 in floor space, excluding any veranda.
* Last 2 years Body Corp Minutes
* Confirmation of the Body Corp Fees
* Confirmation of the Building Insurance
* Long Term Maintenance Plan
* NBS Rating of at least 67%
If you would like to meet for a coffee to discuss how I can help you purchase an apartment, then enter your details below.
Business and Commercial Loans
If you require any business or commercial lending, again, I can help. If I am to go to your main bank, I do require the latest completed Financial Statements or Year to Date figures. In some cases, I will require a cashflow forecast or projection from your Accountant.
I also have access to a company that offers fast turnaround loans of $5,000 to $150,000 with terms from 3 to 24 months and cash flow friendly repayments. Funds can be used for any business purpose, and no security is required to access up to $100k. This can be all be done within 48 hours.
Investment Property / Rentals
The current Loan to Value Ratio rules require that the banks can only lend a maximum of 70% on investment properties, therefore, a 30% deposit is required. I look at your existing property portfolio to ensure that there is enough equity to do this without you having to contribute $1 of your own money. I also look at ways to see if the properties do not have to be cross-collateralised as I only like to give the banks only enough security that they need and no more.
If you would like to meet for a coffee to discuss how I can help you purchase an investment property, then enter your details below.
Construction Loans or Land & Build Packages
This is my specialty as I have personally built my current home and yes, I definitely recommend it. Usually, the Banks require you to have as little as a 10% deposit on a house and build package if this is going to be your home to live in and as an Investor, a 20% deposit.
They like to see the draft Sale & Purchase Agreement along with the Build Contract (which must be Fixed Price), including any variations. If everything stacks up, a registered valuation would be required and then you can begin the build process.
If you are looking to buy land only, you require a minimum of 20% deposit.
If you would like to meet for a coffee to discuss how I can help you build your dream home or buy land, then enter your details below.
Fixed Rate Review or Refinance
Are you on a floating interest rate or have your fixed interest rate coming up for renewal? Then give me a call so I can lock in some record low discounted rates.
Are you wanting to refinance or get a top-up on your home loan for that new car, holiday or home renovations, again, give me a call so I can lock in some record low discounted rates.
If you would like to meet for a coffee to discuss how I can help you you achieve your goals or reach financial freedom, then enter your details below.
