FAQs

You've got the questions, we've got the answers
Who are we?

We are Registered Financial Advisers in NZ and we specialize in providing Mortgage, Insurance and Kiwisaver advice.

Why use a mortgage broker?

We have the experience, knowledge and access to all the major banks and second-tier lenders which means that we’re not limited to just one bank’s products and services, so we can recommend the best financing option for you.

How do we get paid?

We receive a commission from the financial service provider that we place the loan with. The commission is generally paid on settlement or when the loan is underwritten, hence why our services are generally free. On rare occasions where a commission cannot be obtained from the lender, a fee structure will be agreed upon ahead of time.
We may receive a small “trail” or renewal fee for providing an ongoing service to you on the financial service provider’s behalf.

We may receive a small fee from the financial service provider for reviewing your fixed rate loans.

We may also receive a referral fee indirectly for the placement of insurance products for you (Personal Risk) if a referral is made to a specialist insurance adviser.

Why work with Twine Advisers?

At Twine, we emphasize the importance of getting the right advice and collaborating closely with you and your team of professionals such as your accountant, lawyer etc. to create a tailor-made mortgage strategy based on your goals and circumstances. Whether you’re looking to purchase your first home, pay down your mortgage and be debt free or looking to buy your next investment property; getting the right advice and having your mortgage structured correctly from the beginning can save you thousands of dollars and reduce the time it takes to pay down your mortgage.

How fast can I get finance?

Generally, it can take from 3 to 7 working days, depending on the banks and whether your loan application is for a low deposit mortgage. It’s better to be organized and talk to us earlier so that you can be confident and ready ahead of time before your settlement date.

How fast can I get finance?

We work with all the major banks and lenders, so we know each banks’ interest rates, offers and products and these can change at any time. There is more to mortgage than just getting the lowest interest rates. Most of the time the savings is not in the interest rates but is in the advice and the loan structure which can save you thousands of dollars over the term of your loan.

What paperwork is required?

We’ll provide you with an application form to complete and a checklist of all the information that we need to assess your affordability and your serviceability.

Still have more questions?