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financing clients are onboarded with a genuine relationship focus at Ian Woods Mortgages.

Onboarding For New Clients: How It Works

Typically, a new financing client would phone me and we would have a 10 to 15 minute chat on the phone about the situation and what their requirements are for finance. In this day and age, it’s enough to quickly get online and I can see their property and get…
Ian Woods Mortgages customer service is unparalleled in the Auckland market.

My Approach to Customer Service as a Mortgage Broker

I like to treat my clients no differently than I would treat a friend or a family member asking me for financial advice with my Ian Woods Mortgages hat on. I’ve been in the industry now for a long time and I understand the importance of a person’s financial health,…
the private lender is a potentially good option for your financing needs.

Why a private lender may be the best option for you

The private lender is not dissimilar to a non-bank lender. In fact, they’d fall into the same category generally, but a private lender could be a private person or their trust who typically have been successful in their business career and they invest their money by way of making loans…
The loan to value ratio is an important factor in your lending amount.

What is LVR or the Loan to Value Ratio

LVR is a term commonly mentioned in the media. It stands for Loan to Value Ratio. So, that’s the amount that a lender will advance based on the value of a property. For example, if a home’s worth a million dollars, a lender lends you $500,000. They’ve lent 50% of…
loan security may be required to get funds for your new home or property.

What is financing security

Loan security is always taken by the lender when making a loan advance to the client. If a client was to buy a property, a bank would normally want a first mortgage, and non-bank private lenders are no different. They prefer a first mortgage over the security property. If the…
construction finance can help with new build projects like this.

What is building finance or construction finance

Building and construction finance is typically harder to obtain than finance just to purchase a completed home. There’s obviously more risks there for a lender because costs can escalate, blowout, or there can be issues along the way with the construction, therefore, there’s a lot more questions asked. And the…
bridging finance in nz is possible through expert mortgage brokers like Ian Woods.

What is bridging finance and why consider it

Bridging finance in NZ is typically a short-term, 6 to 12 months finance arrangement to enable someone to purchase something now, while they wait for proceeds from another transaction to enable repayment of that bridging finance. As an example, a person might want to buy a home now. They haven’t…
Getting a second mortgage outside of the main banks is possible through brokers like Ian Woods.

What is a second mortgage and how does it work

Second mortgages are available in the market for people whose current mortgagee won’t increase the mortgage to enable them to do what they want to do. So there are providers of second mortgages. They would generally be at a substantially higher rate than the first mortgage because of the risk…
non-bank lending mortgages could be an approach for you if the banks say no.

What is a non-bank lending mortgage

A non-bank lending mortgage is where you take a mortgage from a lender other than a main bank. So if we have six main banks in New Zealand, we might have 60 non bank lenders and they will lend for purposes other than just buying a home. They might lend…
A mortgage broker can help you buy or sell properties such as this.

The benefits of working with a mortgage broker

A mortgage broker is a professional advisor who gives advice to clients around the options of obtaining a mortgage. These options include not just the structure of the mortgage, but the pricing of the mortgage. By pricing, I’m talking about interest rates and products that are available, i.e. revolving credit…
Development finance can help make properties like this happen, accessible through mortgage brokers in Auckland like Ian Woods.

All you need to know about development finance

Development finance is probably one of the hardest types of finance to get approved for. A bank traditionally would want the project pre-sold. By that I mean, they’d want the homes that are being built to be sold before the finance is approved. That poses a problem for a developer…

Are you in need of non-bank financing for your property project?

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Ian Woods | Who Am I?

Ian Woods is a Highly Experienced and Respected Mortgage Broker based in Auckland who has helped clients from all over New Zealand with their financing requirements through a unique and varied ecosystem he has built up over the past 18 years made up of boutique private lenders and strong working relationships with the mainstream banking community.

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Contact Information

Ian Woods Mortgages
45 Lincoln Street
Ponsonby, Auckland

Phone: +64-21-828-240
Email: [email protected]