Testimonials

Nicky Stuart

"Thanks for helping our mutual clients. Your efficiency, reliability and knowledge in your field of expertise is second to none."

Mark & Cath Westercamp

"Thank you very much for helping with our mortgage. You have done a great job."

Alison Wheeler, Remax - Browns Bay

"Thanks for helping my clients - the Extances. I am very aware that my sale would never have been completed without your involvement. "

More Testimonials Click Here >>

Jo Choat Mortgages for up to date interest rate and industry knowledge

Jo Choat Mortgages limited was established in 1999. Jo is the director of the company and Tina Emirali is her PA. Jo's office is located at 110 Kitchener Rd Milford, North Shore, Auckland.

OUR MISSION:

Jo Choat Mortgages Limited is dedicated to providing a range of mortgage products and a professional service to our clients, ultimately saving them time, money and stress.

At Jo Choat Mortgages Limited our aim is to establish a successful on-going relationship with clients, resulting in those clients thinking of Jo Choat Mortgages as their first contact for any of their borrowing requirements.

Jo and her team are committed to helping clients achieve their financial goals and most importantly have their best interests at heart.

First home buyers

Thursday, 26 November 2009 11:19

Fixed rate or floating rate? Combination or interest only?

Buying your first home is exciting but it can also be daunting.

There is a lot to think about:

how much will they lend me?
how much can I afford to pay?
how should I structure the loan?
who is offering the best deal?
what does the application process involve?
how much deposit do I need?
how can I pay the least interest ?

Buying a home will be one of the biggest financial decisions you will make. Mistakes can be costly but we make sure you get the right loan for you that will allow you to pay it off as quickly as possible which can save you thousands!.

We'll talk you through the different loan structures, how much deposit you will need and how much you are likely to be able to borrow.

Make an appointment to us today!

jo@jochoatmortgages.co.nz

Investment property finance

Thursday, 26 November 2009 11:23

Being keen property investor's, we are highly knowledgeable in helping clients structure their borrowings to maximise returns.

This may allow you to purchase more investment properties in the future or pay off your mortgage faster than you had envisaged, without making any cut backs in your spending.

Remember it's not just how much interest you are paying but how fast you pay off the loan that will save you thousands.

We can also make sure you have the right business structure and are maximising your tax deductions.

Home loans for the self employed

Thursday, 26 Novem,ber 2009 11.26

Obtaining finance if you are self employed has unique challenges. It can be a difficult process. You need to provide evidence of income such as financial accounts or tax returns for the last two years.

This is an area we specialise in.

We can help you with the loan application process and find a mortgage to suit your cash flow.

You can be confident that we will find you the best deal available.

Low doc mortgages

Thursday, 03 December 2009 07:42

If you are self employed, work part-time or have seasonal work, this might be the loan for you.

It might also be an option if you have no credit history or are new to the country.

Also known as "No Doc" loans, these are for people who have trouble providing the usual income verification documents such as pay slips or account statements.

We can help you with your No Doc loans - jo@jochoatmortgages.co.nz

Refinancing your home loan

Thursday, 03 December 2009 07:43

If you are about to review your home loan, you can save money by switching to a different lender or loan structure.

If your financial circumstances have changed, talk to us about refinancing and save yourself from the worry of losing your home.

We will look at the overall structure of your mortgage(s) and give you some advice on what you can do to save money or pay the loan off quicker.

Lately people have been caught out when they go to pay off their mortgage early.

When we talk to you, we'll discuss things like whether its even worth breaking your existing loan and what to check before you sell that investment property.

There is an array of lenders available so we can ensure you are matched to the right lender for your own personal situation. This will increase the likelihood of you securing finance.

Ph 09 486 3224 Fax 09 486 3221
Email jo@jochoatmortgages.co.nz
Office Location 110 Kitchener Rd, Milford
Post Address 529A Beach Rd, Murrays Bay