DEED OF GIFT
A Deed of Gift is a legal document that transfers ownership of a gift from one person (the donor) to another person (the donee). It is often used to give away cash to purchase property however it can also include artwork, jewellery, or a car.
A Deed of Gift establishes a clear record of the transfer of ownership and can be used to avoid disputes in the future.
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The Deed of Gift typically includes information such as the name and address of the donor and the donee, a description of the property being gifted, any conditions or restrictions attached to the gift, and the date and signature of the donor.
In some cases, the Deed of Gift may also need to be notarised or witnessed to be legally valid.
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It is important to note that a Deed of Gift is irrevocable, meaning that once it is signed and delivered to the donee, the donor cannot change their mind and take back the gift.
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It is therefore important for both the donor and the donee to fully understand the terms and conditions of the gift before signing the Deed of Gift.
BUILDING A HOME OWNERSHIP PLAN
Here you'll learn how to make a Home Ownership Plan, so you can improve your chances of getting a mortgage to buy your home. If you're a First Home Buyer (FHB) using KiwiSaver or getting help from Bank of Mum and Dad (BOMAD), moving up the property ladder, buying an existing home, new off the plans 'turnkey' or building new with a fixed price build contract - we'll help you plan your home ownership journey and advise you on the do's and don'ts.
IMPROVING YOUR CHANCES
We'll provide advice on how to improve your chances of getting a mortgage. With changes to The Credit Contract and Consumer Finance Act (CCCFA) getting a home loan just got a whole lot harder - we can help you navigate this legislation so it works in your favour.
WE DEAL WITH THE PAPERWORK
Let us deal with the paper work and the mountain of forms that need completing ie. FATCA, Nature & Purpose, AML/CFT. You'll still need to complete an online application and provide supporting documents ie. income, bank statements etc. We'll handle the rest as your time can be better spent looking for the right home for your family.
YOUR ADVOCATE
We've been writing mortgages for 22 years and have excellent relationships with over 39 banks, non-bank lenders, finance companies and private lenders. These business relationships have been built based on trust and the quality of our mortgage applications we've presented over the years. We will be your best advocate for your mortgage.
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An email from ANZ Bank
"Hey Steve,
This is a very simple message from me but I wanted to acknowledge the high standards that you set when you are sending deals to us… the deals you submitted to us went through our pre-screening team 100% clean and none were deferred for further info! This just tells me that the deals you prepared were presented at a high calibre …
Chris Trenuela
ANZ Business Development Manager"
ONGOING MORTGAGE ADVICE & SUPPORT
Now that you have a mortgage - our service does not stop there. We provide ongoing advice and support for the life of your loan. Advice of fixed interest rates, loan structure, how it pay it off quicker (saving you tens of thousands of dollars), loan top ups when needed and we will refer to you the right people to protect your life, income and assets.
LICENSED ADVISER
Getting the right advice is essential to you achieving your financial goals. You’ll want to know the advice you're getting is the from an Adviser who knows his financial products and service offering.
Steve has been a Mortgage Adviser since 2001. In 2003, his first exam through AdviserLink he passed the Certificate for Essentials of Mortgage Broking with Honours.
In 2023, Steve achieved an Excelling Outcome a GPA of 7 at Massey University Auckland with an overall grade of A- for Certificate in Financial Advice (Level 5) [Version 2]
You can be assured Steve will provide you with excellent advice and be your home loan advocate.
