Hey, it’s Connie here. The founder of Prosperity Finance. Prosperity Advisors is a small, boutique finance brokering practice, with a focus on delivering financial success to our customers and contributing to their overall well being.

The year of 2019 is going to be a big year for us. Follow us, you will be first to hear about bank special offers and the latest news from us.

Let’s connect

Prosperity Finance: http://prosperityfinance.co.nz...

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LinkedIn (Connie Wang): https://www.linkedin.com/in/connie-wang-52975638

Video Timeline

1. Company team restructure - - 00:30 

2. Master Loan Calculator |  Find Out What You Can Borrow From Each Bank - - 01:03 

3. Why do you need a regular loan review? - - 03:02

Our 2018 most significant achievements as a mortgage broker:

1. Company team restructure

At the end of 2018, Prosperity Finance completed the team restructure. Now, we got a delicate team. In the other words, we got right people look after the key areas in the whole client journey, which will contribute to maximizing your value from us.

2. Master Loan Calculator |  Find Out What You Can Borrow From Each Bank

In the year of 2018, we built a “master loan calculator” that incorporates will all the banks’ loan calculators in New Zealand.

In the previous years, no matter which banks you decided to submit your loan application, you might get similar outcomes. However, over the last 12 months, this situation changed tremendously. There is much variation between different major banks when approving loan applications. When it comes to calculating your existing loan repayments, each bank uses slight different methodologies, therefore, the existing loan repayments would be quite different from one bank to another. It might have negative impact on the situation like you have already got mortgage, but would like to borrow much more money for another mortgage, which means your borrowing ability would be different among different banks.

Secondly, In the past, the considerations that banks taking into were mainly based on your family structure. Now, the banks are considering the total income your family, not just the number of your kids and adults in the family. What’s more, the major banks build the assumption that the more you earn, the more you will spend.

As listed above, these two recent issues would make it complicated and time consuming when mortgage brokers are making assessment to their clients. However, the good news is, with our edging-cutting master loan calculator, we are able to get quick access to the borrow capability of all major banks for each client, and which banks are more likely to meet your needs to achieve your financial goals.

3. Why do you need a regular loan review?

It’s a good habit to regularly review your finance. The loan that was originally set up may be no longer support your current situation or needs. Or, perhaps you have future plans such as starting a family, upgrading your home or buying an investment property but you are not sure how finance should be adjusted to help you achieve the goals?

At Prosperity Finance, we are so passionate about helping our clients. We are committed to offering you a complimentary loan review every six months. Here are just some parts of issues that we are committed to checking for you.

-    Is your interest rate still competitive at the current bank?

-    Are your current loans features being used effectively? 

-    Would you have enough equity to buy another property?

-    Can any of your property securities be discharged or at least have ability to split. 

-    Can you fast track repayments to save hundreds of thousands interest costs

Keeping your head in the sand won't make your financial issues disappear. Get in touch with a financial advisor like us and we'll make your headache disappear. We will surprise you with our professional application process. Treating client's application like our own!  

Give us a call today at 09 930 8999 or email: support@profin.co.nz

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