At Kim & Co we understand that buying or selling a residential or commercial property is a big decision and a significant matter for most people. Due to the high value and illiquid nature of the asset it is considered to be high risk thus much caution is required every step of the process.

Compared to the rest of the world, New Zealand due to its relatively easy-to-access lending system allows low and middle income households to gain mortgage loan approval. In fact, on average a typical New Zealand household will purchase properties with 20 to 30 percent deposits and borrowing the rest from the bank.

However, despite the increase in demand for property investment following from the market’s expectation to continue its increase in value, the bank has made it difficult for households to apply for a mortgage by setting up more stringent borrowing criteria.

At Kim & Co we recognise that the applicant’s ability to obtain the loan largely depends on the financial statement supplied by the accountant and their personal income. Furthermore, most households may find the process of compiling the necessary documents difficult and time consuming. Immigrants in particular would find the criterions’ demanding especially when they are unfamiliar with the New Zealand’s banking system.

At Kim & Co our financial experts strive to simplify your life and everyday needs with our hassle free mortgage approval process. From GST issues to signing the purchase agreement, we can provide the full package service specific to your needs.

In particular, for our existing accounting clients the mortgage application has been stress free because we hold the necessary documents to finalise. Thus, there’s no need for them to invest their precious time and effort discussing their financial situation with other people.

For our new clients, we also provide a comprehensive financial evaluation in regards to your assets, liabilities and income. Based on our assessment we find the best strategy for you, helping you to buy your dream house.

In compliance with legislation, practices are operated independently