But what if you were expecting more? Or that number is way less than you know you could actually afford?

Is there a way to magically increase the loan amount?

Well no,

But also yes..

Let me explain.

If you’ve just gone into the bank and told them your usual details the person you speak to is going to read that form you filled in and give you a number you can borrow.

They aren’t going to workshop it with you to see if there are anything little things you can do to help increase the loan amount.

Things like…

- Can you pay off your student loan with some of your deposit so your income is higher?

- Can you lower your KiwiSaver contribution so that you get more useable income?

- Instead of getting paid a massive bonus for your work (which is scaled down in the bank's calculations) can you ask for an increase in your salary and less bonus?

- Can you buy a new build or increase your deposit to 20% to “unlock” different policy criteria at the bank?

- Are you thinking about having a flatmate?

…the average bank broker won’t ask these questions. And they certainly won’t be able to look at any other banks' rules that might actually suit you better.

A mortgage broker will. Especially the creative ones like you’ll find at Tanta.

So here is what you got to do..

1. Listen to the podcast so you get an understanding of what we are talking about

2. Apply for a call with one of us to plan how we can get the max borrowing. Do that here

That’s it.