"My number one piece of advice is to get advice."
My guest is Hilary Johnson, an experienced and very personable Mortgage Advisor from www.luminate.co.nz.
With a background in business and banking, she has seen it all with mortgages. As people navigate a hot real estate market with more buyers than sellers, the government's attempts to stem the tide of home-ownership in New Zealand not really working at the moment, then add in rising interest rates, it can be a confusing and confronting time. So if you are in the market for a home or about to enter the housing market, this is one episode you don't want to miss.
In New Zealand, retaining the services of a Mortgage Broker is a free service. However, that doesn't mean you don't get quality service. If assistance is what you are looking for, then Hilary and her team are the perfect place to start. Preparing for a mortgage needs a solid plan long before you begin your house hunting. With banks hardening up their lending criteria, you need to know how to apply for the money you want. Having a mortgage broker on your side will help the process, and that's where Hilary comes in. She will help you through the journey of owning your home. From prepping for the application process to meeting banks' increasingly tighter restrictions, all the way to holding fast to your dreams throughout the ups and downs of the auction process, Hilary is all about people first.
Hilary wants to help you feel the joy of owning your own home, so she takes an incredibly personal approach.
Growing up on a farm in Africa during the Civil War, Hilary's first taste of the Western World was a Rotary scholarship in Chicago when she was 17. Being part Kiwi and being bitten by the travel bug, she decided to study in New Zealand, where her Dad is from. Hilary shares some great advice with us on this episode. We touch on making your mind your friend, not your enemy, always a wise thing to do. I love her advice to her younger self: there are so many things out of our control that we cannot plan for, but when you look back, it turns out better than you could have planned.
I so enjoyed talking with Hilary. I came away thinking I wanted financial advice about mortgages from her. I also want my daughters to receive advice from her. So listen for yourself, I think you may agree. Wanting someone that will put people before numbers? Contact Hilary at Hilary@luminate.co.nz.
Want to know their company's tagline on their website? If we can't do it for you, then it probably can't be done. So take Hilary's advice and get advice. www.luminate.co.nz.
Listen in now: