Nature and Scope of Advice
We can provide you with financial advice in relation to mortgage lending for owner occupied and investment properties, and commercial lending with both main banks and non-banks. We only provide financial advice about products and services from the following main banks ANZ, ASB, BNZ, The Co-operative Bank, SBS Bank, TSB Bank, Westpac, Heartland Bank, and Sovereign. We also provide financial advice about products and services from a variety of non-bank lenders.
Our Process
![coffee-icon coffee-icon](http://thelendingdepartment.co.nz/wp-content/uploads/2018/12/coffee-icon-100x97.png)
Initial Conversation
The initial conversation is where we get to know you. Who you are, what your goals are and how we can help. By the end of this meeting you should have a clear idea of what our plan is and how we are able to assist you.
![report report](http://thelendingdepartment.co.nz/wp-content/uploads/2018/12/report-100x97.png)
Information Gathering
This is where we flesh out the details from our first conversation, you will complete a Fact Find and Statement of Position and provide all the supporting documentation necessary, we will compile this into a clear loan application.
![patheway patheway](http://thelendingdepartment.co.nz/wp-content/uploads/2018/12/patheway-100x97.png)
Approach Lenders
We then submit this application to the bank on your behalf and work through any issues until we have an approval. If there are any conditions on this approval, we will work with you to have them satisfied so that you can purchase unconditionally.
![house house](http://thelendingdepartment.co.nz/wp-content/uploads/2018/12/house-100x97.png)
Structure and Rates
This is where we negotiate interest rates on your behalf, then assist you in deciding how you will structure your lending. The correct loan structure can save you thousands of dollars over the life of the loan, so we take this meeting very seriously.
![service service](http://thelendingdepartment.co.nz/wp-content/uploads/2019/03/service.png)
Ongoing Service
Our commitment to you does not end when your loan is settled. We will be here to look after your financial needs for the rest of your life. We will assist you when your interest rates need to be re-fixed, or if you have a change of circumstance.
![](http://thelendingdepartment.co.nz/wp-content/uploads/2022/10/the-lending-department-bank-logos-1.png)