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Mortgages

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It's getting to the point where a complaint does need to be made

There have been calls for mortgage advisers to make a complaint to the FMA about banks’ stringing out their processing times for home loans. [READ ON]

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One-stop shopping moves closer

Home buyers are increasingly demanding a 'one-stop shop' offering everything from real estate services, financing and valuations through to conveyancing..en

Thursday, July 8th 1999, 12:00AM

by Paul McBeth

Home buyers are increasingly demanding a 'one-stop shop' offering everything from real estate services, financing and valuations through to conveyancing; and that's very close to being available.
So says Pat Allen, chairman of realtor Allens Group. His firm recently launched a mortgage broking service (MortgageWorld) covering all bank products, the first time a New Zealand realtor has offered a comprehensive broking service effectively 'in-house'. And Allen hints at more services to come, once the mortgage operation is bedded down.

Allens Group is now on track to having mortgage brokers in each of its 16 offices (which cover the North Island down to Taupo). So far 13 have been appointed as well as franchisees in Hawkes Bay and Whangarei.
Two months on from the official launch, Allen says that customer demand for the broking service has been huge. "We've reached targets that we set ourselves for the first six months in just over one month and we expect to reach our annual goals part-way during the year".
That response is hardly surprising, given his claim that the firm's move into mortgage broking was generated by customer demand.
"In the process of buying and selling homes, the customer sees the primary service provider as being the real estate agent. Other services such as valuations, insurance, financing, conveyancing and so on come afterwards," Allen says.
"In the past, realtors over New Zealand have referred people to those secondary service providers. But customers are saying that all services can be provided at one place and they don't want to be wandering around."
While that's a view from just one side of the industry, there's no doubting the growing trend to providing a range of services under one roof. A few law firms already offer conveyancing as well as real estate services, realtors have any number of different alliances with mortgage brokers and some now offer valuation services as well. While conveyancing is still limited to the legal profession, there's a change that legislation to open this up could be passed later this year.
 
 
 

Paul is a staff writer for Good Returns based in Wellington.

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Mortgage Rates Table

Full Rates Table | Compare Rates

Lender Flt 1yr 2yr 3yr
AIA - Back My Build 5.44 - - -
AIA - Go Home Loans 7.99 5.99 5.69 5.69
ANZ 7.89 6.59 6.29 6.29
ANZ Blueprint to Build 7.39 - - -
ANZ Good Energy - - - 1.00
ANZ Special - 5.99 5.69 5.69
ASB Bank 7.89 5.99 5.69 5.69
ASB Better Homes Top Up - - - 1.00
Avanti Finance 8.40 - - -
Basecorp Finance 9.60 - - -
BNZ - Classic - 5.99 5.69 5.69
Lender Flt 1yr 2yr 3yr
BNZ - Mortgage One 7.94 - - -
BNZ - Rapid Repay 7.94 - - -
BNZ - Std 7.94 5.99 5.69 5.69
BNZ - TotalMoney 7.94 - - -
CFML 321 Loans 6.20 - - -
CFML Home Loans 6.45 - - -
CFML Prime Loans 8.25 - - -
CFML Standard Loans 9.20 - - -
China Construction Bank - 7.09 6.75 6.49
China Construction Bank Special - - - -
Co-operative Bank - First Home Special - 5.79 - -
Lender Flt 1yr 2yr 3yr
Co-operative Bank - Owner Occ 7.65 5.99 5.75 5.69
Co-operative Bank - Standard 7.65 6.49 6.25 6.19
Credit Union Auckland 7.70 - - -
First Credit Union Special - 6.40 6.10 -
First Credit Union Standard 8.50 7.00 6.70 -
Heartland Bank - Online 7.49 5.65 5.55 5.55
Heartland Bank - Reverse Mortgage - - - -
Heretaunga Building Society ▼8.60 6.75 6.40 -
ICBC 7.49 5.99 5.65 5.59
Kainga Ora 8.39 7.05 6.59 6.49
Kainga Ora - First Home Buyer Special - - - -
Lender Flt 1yr 2yr 3yr
Kiwibank 7.75 6.89 6.59 6.49
Kiwibank - Offset 8.25 - - -
Kiwibank Special 7.75 5.99 5.69 5.69
Liberty 8.59 8.69 8.79 8.94
Nelson Building Society 8.44 5.95 6.09 -
Pepper Money Advantage 10.49 - - -
Pepper Money Easy 8.69 - - -
Pepper Money Essential 8.29 - - -
SBS Bank 7.99 6.95 6.29 6.29
SBS Bank Special - 6.15 5.69 5.69
SBS Construction lending for FHB - - - -
Lender Flt 1yr 2yr 3yr
SBS FirstHome Combo 5.44 5.15 - -
SBS FirstHome Combo - - - -
SBS Unwind reverse equity 9.75 - - -
TSB Bank 8.69 6.49 6.49 6.49
TSB Special 7.89 5.69 5.69 5.69
Unity 7.64 5.99 5.69 -
Unity First Home Buyer special - 5.49 - -
Wairarapa Building Society 8.10 6.05 5.79 -
Westpac 8.39 6.89 6.39 6.39
Westpac Choices Everyday 8.49 - - -
Westpac Offset 8.39 - - -
Lender Flt 1yr 2yr 3yr
Westpac Special - 6.29 5.79 5.79
Median 7.99 6.02 5.79 5.69

Last updated: 20 November 2024 9:45am

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