We provide Mortgages, Insurance, Debt-Consolidation Loans, and more.
We will not charge you in most of the cases as R Jay Finance is mainly paid by Banks and Insurance companies. However, in some cases we do charge a professional fee but we will inform you in written before we proceed with the application.
Our Mobile Advisers are happy to meet with you whenever and wherever is convenient to you: anywhere in the Auckland area – whether it be in the evening after work, at home, over the phone or via email. Our job is to make getting a loan and insurance as easy for you as possible!
R Jay Financial Services will arrange for one of our experienced and friendly Advisers to meet with you, saving you the time and inconvenience of visiting banks and lenders to find the best mortgage deals. Our Adviser will look at your financial situation, determine what exactly you want from your home loan and strive to find you the best product to suit your needs.
R Jay Financial Services has a team of experienced professionals who can explain every part of the process to you. Many of our clients choose our services because they don’t feel confident negotiating with the banks and want someone to do so on their behalf. Our aim is to make sure you understand the terms of your loan and are satisfied with these.
Our Experts will help you to pay the loan faster by restructuring your current loan. We will work together with you to devise a mortgage reduction plan that will help you own your home sooner by saving you interest rates and reduce the time of your Mortgage.
Your R Jay Finance Adviser will help you complete the forms for your loan application. We will professionally package your application with all the supporting evidence and lodge it with your chosen lender.
No, We’ll take the hassle out of the application process by managing it on your behalf – right through to settlement. We will help you with any questions that you may have and, if there are any problems, we’ll chase up the lender for you.
Yes, all R Jay advisers are RFA (Registered Financial Adviser). This means we can offer advice on mortgages (first time home buyer mortgages, refinancing mortgages, etc), personal loans (debt-consolidation loans, renovation loans, etc), and insurance (life insurance, health insurance, etc). We are happy to provide you with a disclosure statement on request.
The concept itself is simple – you pay off your existing mortgage and take out a new one. What isn’t so simple is finding favourable terms for this type of financing. That is where our team of Mortgage Advisers comes in. With our expertise on your side, you will get the best refinancing interest rates. R Jay Financial Services Advisers will guide you along the process.
• Home mortgage refinancing will often lower your monthly or fortnightly mortgage payments by get lower interest rates.
• Pay down your mortgage faster by lowering the interest rate but keeping your payments the same.
• A home mortgage refinance can allow you to take equity out for debt consolidation, investments, vacation.
• Refinancing investment properties for better cash flow.
• Refinancing multiple mortgages (first, second, third) to a lower first mortgage rate.
Many lenders offer a wide range of products – fixed rates, variable rates, and so on. Ask our Advisers to explain to you the relative pros and cons of these products so that we can find the right mortgage deal for you.
Your R Jay Finance Adviser will be able to give you an estimate of the rate we believe you should be paying. This is just an estimate and will be subject to the approval in principal from the lender once we have submitted your deal