Feel more confident with your mortgage application

First HOME buyers

Buying your first home is a dream come true but the process of buying may look like a challenge. Lenders usaully need lot of information in regards to Deposit, Income, Expenses etc. Few major questions which may strike are: - How much could you potentially borrow ? - What might your mortgage repayments be? - How fast you can reach your savings target? - If you are eligible for any government grants and kiwisaver? BUT WE MAKE IT SIMPLE AND SMART We help you to understand the process while we are on job to get you the best possible deal.
Saving for a deposit
The first move in saving for a deposit is to set a target. Your deposit needs to be available immediately when you buy the house. Majority lenders may require a minimum deposit of 20 % of house price and may also consider lower deposit with LEP rates.
Choosing a property
Looking for your first house can be exciting and also to some extent frustrating. Not all of that frustration can be avoided, but prior planning and reserach can reduce your stress levels . You can negotiation, at auction or by tender or in a private sale.
Making an offer
Making an unconditonal offer is where the buyer is ready to go after having the finance approved and the due deligience completed. you are committed to completing the sale procedure. Hire a lawyer and keep them closely involved all the way through.

mortgage refinancing

Refinancing is when you switch your existing mortgage from one bank to another and it can be complex. Making the right move and decision with proper research can save you thousands of dollars. The best time to refinance is towards the end of your current loan term or when your financial position changes. Common reasons to consider refinancing: - Availing the best and competitive interest rate - Taking advantage of other bank’s products or services - Reviewing your loan’s structure - Consolidate your debt with being able to borrow a larger amount Please note breaking your existing fixed term loan may cost a break fee. BUT WE MAKE IT SIMPLE AND SMARTWe help you to understand the process while we are on job to get you the best possible deal.
best interest rates
Do a elobrated research to get the best interest rates suitable for your lending. You can lock in new rate up to 60 days before your mortgage rolls over. Lock the best rates by fixing it sooner than later.
pay off LOAN faster
Because life-span of a mortgage, even small increase in loan repayments can make a huge difference. Talk to us to pay off your loan faster with your flexibility in mind.
debt consolidation
Debt consolidation you can simply take out one single loan to pay of other debts. Having lots of multiple small debts for different amounts can become more stressful. Talk to us now.

Investment loans

Investment loans can be obtained to purchase rental properties. Purchasing rental properties provide excellent long-term returns which can be improved even further with the right lending strategies. The keys to investing in property are conducting proper research and having the right people to help you out. The property market tends to have a booming period with highs and lows, and steady stints in between. BUT WE MAKE IT SIMPLE AND SMART Aprilis Mortgages, we take the time to understand the particular needs of your investment and help you to create long-term wealth through.
BUILD PORTFOLIO
Building an investment portfolio can help you secure your overall income in the long run. Depending on the equity in your current loan, you may secure 100% lending on buying investment property.
TAX BENEFITS
Having right advice, You can save thousands of dollars from paying tax by setting up LTC which allows you to transfer profits and losses from investment properties to personal income.
STRUCTURING LOAN
Structuring your home loan correctly is very important as it can save you lot of money in interest and cut years of your home loan. It depends on number of factors like income, short term goals etc.

Looking for a loan with the best rates?

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PRIVACY POLICY

Aprilis Mortgages Limited are committed to ensuring that your privacy is protected. This privacy policy outlines our obligations and your rights as set out in the New Zealand Privacy Act 2020. Please note, modifications and amendments to this privacy policy can be done by us at any time for any reason.
Consent to Privacy PolicyBy using this website and/or service you are agreeing to this privacy policy. Please do not use the site and/or our services if you do not agree with this privacy policy.
We collect personal information from you, including information about your:- Name- Contact Information- Location- Financial information- Interactions between us- Any other relevant information (depending the interaction with us and our services)
We collect your personal information in order to provide and promote our services to you, including:- Conducting our business- Liaise with professionals including but not limited to solicitors and accountants when a referral is required, at your request- If you have insurance, those involved in the insurance process such as claims investigators, medical practitioners, re-insurers, insurance reference agencies and other professionals that are part of the process- For internal administration, marketing, planning, research and development requirements- Disclose your personal information for the purpose for which it was collected to financial institutions and insurance providers- Disclose your personal information for regulatory and contractual reporting and compliance- To follow up with you on a regular basis to provide further financial advice as and when required
Other than Aprilis Mortgages Limited staff, we share this information with:- retail banks, lenders and third-party financial service providers in order to assess your suitability for your application. Aprilis Mortgages Limited may be required to disclose your personal information if disclosure is required by law, including laws of other jurisdictions, for example to government and regulatory authorities- We may also share this information with overseas third-party suppliers, service providers and other related bodies for some of the purposes listed above
Providing some information is optional:- If you choose not to provide some of your personal information, we will be unable to provide full services as intended.
Collection and Storage:- Personal information is collected directly from you in person, telephone, fax, letter, email, website, website analytics or other suitable communication methods- Your information is kept in a secured digital storage facility and any physical copies are kept secured onsite until transferred to our offsite secure location as and when required- Your information is kept up to seven years at which point it is securely destroyed by erasing the digital and physical copies (unless otherwise required by complementary legislation)- We may use cloud storage to store your personal information held. The cloud storage and IT servers may also be outside of New Zealand- We may access your personal information stored in the cloud storage from New Zealand as well as overseas should we need to for the purposes of providing our services
Statistical Information and Cookies- Cookies are files containing data that can be used to identify you anonymously. These are sent from each website you visit to your browser and stored on your computer’s storage facility- Cookies allow us to collect information and to help us improve our services. You are open to accept or refuse these cookies, and know when a cookie is being sent to your computer. If you refuse, you may not be able to interact or use certain portions of the service- Statistical information is collected on your visits to our website to help improve the site overall or other communication sent to you as part of our marketing campaigns. This information is aggregated and is non-personally identifying- Cookies can also be generated for monitoring the site’s usage. No personal information is collected for this purpose. These cookies can be disabled through your browser settings or clear them out of the web browser used to access the site. This should not affect your ability to use the site
Disclosure of Information:- Your personal information may be disclosed to those that belong to our professional network to enable me to properly conduct the service- Your personal information may be disclosed to regulatory bodies, law enforcement and to third party service providers as permitted or required by law- Where your personal information has been disclosed to third parties to perform services, those third parties may handle your information and must only use the information for the purposes for which it was supplied, although we are not responsible for ensuring this
Access of your information:- You have the right to request access to your personal information held- You have the right to request your personal information to be corrected if you believe it is incorrect- We may require some proof of identity before providing any information Serious Privacy Breaches:In case of any serious breaches of privacy we will…- Contain it by ascertaining the event- Assess the seriousness of the breach- Notify those affected and the Privacy Commissioner- Review our processes to prevent future breaches
Contact:You have the right to ask for a copy of any personal information we hold about you, and to ask for it to be corrected if you think it is wrong. If you’d like to ask for a copy of your information, or to have it corrected, or have any queries about this privacy policy, please contact the Adviser at:kewan@aprilis.co.nz, or +64 21 811 123 , or Post: L1/20k Te Pai Place, Henderson, Auckland 0610Physical: L1/20k Te Pai Place, Henderson, Auckland 0610If you are not satisfied with our response to any privacy-related concerns you may have, you can contact the Privacy Commissioner:
Office of the Privacy CommissionerPO Box 10 094, Wellington, New Zealand+64 04 474 759009 302 8655 (within Auckland)0800 803 909 (outside Auckland)Fax: 04 474 7595enquires@privacy.org.nz

DISCLOSURE STATEMENT - MORTGAGES

Kewan Vaidhya (FSP694951) Financial Adviser (Aprilis Mortgages Limited)Email: kewan@aprilis.co.nz Mobile: 021 811 123 Address: L1/20k Te Pai Place, New Lynn, Auckland 0600Postal: L1/20k Te Pai Place, New Lynn, Auckland 0600Web: www.aprilis.co.nz
It is important that you read this documentThis information will help you to choose a financial adviser that best suits your needs. Itwill also provide some useful information about the financial adviser that you choose.
Background
Aprilis Mortgages Limited (FSP770812), is a Financial Advice Provider licensed and regulated by the Financial Markets Authority to provide financial advice.
Kewan Vaidhya (FSP694951) is limited to provide advice on Lending Products.
How am I regulated by the Government?You can check that I am a registered financial adviser at http://www.fspr.govt.nz.The Financial Markets Authority regulates financial advisers. Contact the Financial Markets Authority for more information, including financial tips and warnings.You can report information or complain about my conduct to the Financial MarketsAuthority, but in the event of a disagreement, you may choose to first use the disputeresolution procedures described above (under “What should you do if something goeswrong?”).

Nature and Scope of Financial Advice Service What sort of adviser am I?
We are financial Advisers – We are all specifically trained, qualified, and accredited to provide you advice on the following products.
Our ServicesFinancial Advice Services – Mortgages Products we can advise onFinance Products – Home loans, Residential Mortgages, Commercial Mortgages, Second Mortgages, Refinance, Debt Consolidations, Asset Finance, Business Loans. Product Providers we may recommend:We deal with following Bank and Insurance companies –For Lending: We deal with Banks, Non-bank and Various Private lenders. These lenders included ANZ, ASAP Finance, ASB, Avanti, Bank of China, Basecorp, Bluestone, BNZ, Cressida Finance, Co-operative, DBR Finance, Finance Direct, First Mortgages Trust, Heartland, Liberty, NZCU, Pepper Money, Prospa, Resimac, SBS, Sovereign Home Loan and Westpac.
Fees and ExpensesWe do not typically charge our clients any fees, expenses or other amount for the financial advice and other services we provide. Our services are paid through the commissions we receive from the lenders we assist you to obtain financing from, and/or from the insurers whose policies we help you take out.
The Following Circumstance are the main exceptions to our no fees policy:A. You decide not to take the loan arranged by us, orB. You refinance or pay off a loan within 27 months of drawing, or
Detailed information about the nature and level of fees will be provided to you when you receive financial advice from us. This information is also available upon request, free of cost. Should we need to charge you a fee, you will be invoiced and will be given 14 calendar days to make payment.
Our DutiesWe are bound by and support the duties set out in the Financial Markets Conduct Act 2013. These duties are:• Meet the standards of competence, knowledge, and skill set out in the code of conduct.• Give priority to the client’s interests.• Exercise care, diligence and skill.• Meet the standards of ethical behaviour, conduct and client care set out in the code of conduct.
Conflicts of Interest:
We are well committed to ensuring we provide financial advice that is impartial and delivers good outcomes for our clients and its best in our clients’ interest. Our Financial advisors go through regular trainings to get equipped with latest information. We cannot provide comparison or advise on products from providers whom we don’t deal with or not mentioned in this disclosure. Sometimes we may get referral bonus from different referral partners i.e. real estate agents, insurance providers or lenders, Referral bonus could be in form of lunch or dinners or any gifts or invitation to seminars or trips to places etc. But this does not stop us to give you an impartial advice. If there are any conflicts of interest apart from commission that could potentially influence the advice that we give, these will be shown in your Financial Adviser’s Discloser Guide. Complaints - What should you do if something goes wrong?If you have a problem, concern, or complaint about any part of my service, please contact us and we can try to fix the problem. You may contact our internal disputes service by telephoning +64 21 811 123 or by email info@aprilis.co.nz, or in writing to L1, 20k Te Pai Place, Henderson, Auckland 0602.
When we receive a complaint, we take follow steps:• Acknowledge your complaint within 2 working days• Try to resolve your complaint on the spot (up to your satisfactory level)• If complaint not resolved on the spot, then we may take up to 10 day working days to resolve it from our side. We will notify you via email or phone call. If we need more time to resolve your complaint, then we will let you know that we need more time.• If we cannot resolve your complaint from our end using out internal complaint process, then you can contact govt approved dispute resolution scheme mention following.
If we cannot agree on how to resolve the issue, you can contact Financial ServicesComplaints Limited. This service will cost you nothing, and will help us resolve anydisagreements. You can contact Financial Services Complaints Limited by emailinginfo@fscl.org.nz, calling Financial Services Complaints Limited on 0800 347257, or inwriting to PO Box 5967, Wellington 6011.
This Service will cost you nothing and will help up resolve any disagreement.

DISCLOSURE STATEMENT - INSURANCE

Aprilis Mortgages Limited (FSP 770812) trading as Aprilis Insurance is a Advice Provider (FAP) licence issued by the Financial Market Authority, meaning we are licensed to provide a financial advice service. Aprilis can provide advice to you direct, or through its advisers.About Me
Name: Himanshu PatelFSP Number: FSP 1001467Contact Details: L1, 20k Te Pai Place, Henderson, AucklandEmail: hpatel@aprilis.co.nz
I am a financial adviser and provide advice on behalf of Aprilis Mortgages Limited (FSP 770812 ), who are licensed as a Financial Advice Provider by the Financial Markets Authority. History / Qualifications
I have been in the insurance industry for 10 years and have a Life, Disability, and Health Insurance strand V2 Professional Certification. This course covers the Life, Disability, and Health Insurance strand of the New Zealand Certificate in Financial Services (Level 5) V2.
Nature and Scope of the advice :
Aprilis and our advisor (we) only provide financial advice in relation to Life Insurance, Health Insurance & Trauma Insurance underwritten by our Aggregators.Please see following services we provide and please select which you would like to engage my services.
Category Life Cover - Untimely Death Trauma - Suffering a serious or critical illness Permanent Disability - Suffering a permanent or temporary disability Income Protection - Loss of income through sickness or disability Medical Insurance - Require timely hospital care or specialist/diagnostic test/intervention.
Limited Scope of Service
Limited Scope of advice is where we do not conduct full analysis of your financial and personal situation against the insurer cover you wish to purchase. There we do not that the level of financial cover you wish to purchase is appropriate in the context of the situation/circumstances you would like your insurance to cover. Please carefully consider your current insurance cover requirements.
Unless you have selected out Limited Scope of Service, I will provide full spectrum insurance advice. I will only provide advice on the category of services that you have selected above from the panel of insurers that we have listed below.
Our Insurance Providers
Following are the insurance providers we work closely with.Insurance – Life, Trauma, Total Permanent Disability, Mortgage and Income protection and Health insuranceProvider – AIA and NIB
Fees, commissions and other conflicts of Interest
If you choose to accept my advice, We do not charge fees, expenses or any other amount for any financial advice we provide. Instead, our services are paid for through the commissions and other payments we receive from the product provider. For our financial advice products, Aprilis Mortgages not be invoiced or asked to pay any fees to us at any time, even if the engagement of services or the products placed through this engagement are terminated by either party, although.
To ensure our adviser priorities our clients’ interests above their own, we follow an advice process that ensures any insurance advice we provide is suitable for the circumstances in which it is given recognising the nature and scope of the advice we provide.All our advisers undergo annual training about how to manage conflict of interest. Aprilis Mortgage reviews its compliance programme annually to ensure our high standard of client service are being followed.Detailed information about the Commission Earnings & Service Charges will be provided to you when you receive insurance advice from us. This information is also available upon request, free of cost. Complaints handling and dispute resolution
If you are not satisfied with our service or Insurance advice, please tell us as soon as possible.Call: +64 021301013Email: info@aprilis.co.nzWrite to: L1/20k, Te Pai Place, Henderson, Auckland 0602
When we receive a complaint: where possible, your complaint will be resolved there and then. If further investigation is required, we will advise you of an expected resolution time. We will also give you sufficient information to ensure you can enquire about the progress of your complaint.• If we are unable to resolve your complaint immediately, we will acknowledge your complaint within 2 business days. We may contact you to get further information about your complaint.• We aim to resolve complaints within 10 working days of receiving them. If we need more time to investigate your complaint, we will let you know when you can expect to receive a response to your complaint• We will contact you by phone, email or letter to let you know whether we can resolve your complaint and how we propose to do so.
If we cannot agree on how to fix the issue, or if you decide not to use our internal complaints process, you can contact our external Financial Services Compliant Limited ( FSCL) . FSCL provides a free and independent dispute resolution service that may help to resolve your complaint if we haven’t been able to do so to your satisfaction.
Client can contact FSCL by emailing complaints@fscl.org.nz or by calling 0800 347 257. Client can also writ to FSCL at : PO Box 5967, Wellington 6140.

Duties Information
I have duties under the Financial Markets Conduct Act 2013 relating to the way that I give advice. As a financial adviser I am required to:
• meet the standards of competence, knowledge and skill set out in the Code of Professional Conduct for Financial Advice Services (these are designed to make sure that I have the expertise needed to provide you with advice); • give priority to your interests where there is a conflict by taking all reasonable steps to ensure my advice is not materially influenced;• exercise care, diligence and skill in providing you with advice; and • meet the standards of ethical behaviour, conduct and client care set out in the Code of Professional Conduct for Financial Advice Services (these are designed to make sure I treat you with professionalism and care and give you suitable advice).
This information is provided in accordance with the Financial Markets Conduct Act 2013 and the Financial Markets Conduct (Regulated Financial Advice Disclosure) Amendment Regulations 2020.