New Zealand Business, Personal, Mortgage & Insurance Brokers



Specialist Lending does not need to be complicated

Self Employed people often find getting any bank mortgage is scuttled by “not enough trading”, not enough financial information, some sort credit issue – just plain excuses.

What we can give you:

  • Loans for self-employed borrowers with just 6 months trading history
  • Low document loan Rates that step down with on time repayment history
  • No monthly / ongoing fees
  • Unlimited cash out to 80% LVR (*Conditions apply)
  • Flexible income verification options
  • No Financials Required
  • Quick approvals interest only option available for an owner occupied and investment securities up to 80% LVR (*conditions apply)
  • The key focus to ‘low doc’ mortgage products, is it is asset based lending that is targeted at borrowers who have difficulty in proving their income, usually because they are self-employed. Low doc lending is considered ‘asset based lending’ rather than normal ‘income based lending’ offered by banks.

Fees: All lender’s Fees & Broker Fees are well documented. No upfront Fees Broker Fees apply on this type of lending – being paid upon successful conclusion of the loan arranged by APM Finance . If you think your loan is outside the square or keeps getting turned down, call us to find out if APM can help you with your loans.






We work with a range of financial institutions to create unique packages to meet the various needs of people all around New Zealand. We understand that life creates financial needs at the drop of a hat and we can help sort yours as easily as possible.

If you have any questions on our personal loan products or services, contact one of our friendly personal consultants now.

APM Finance can handle your financial needs as long as you can provide the necessary documentation, we can sort the rest.

We always treat our clients as people and not just a number, we look to really understand your situation and frustrations to ensure we can come up with the perfect solution for you.

Give us a call to get your loan started or apply online now by filling out the form below.

NZ Registered Financial Service Provider







For an obligation FREE Quote, Fill in the email form below or Call: 0800 001 685

  • This field is for validation purposes and should be left unchanged.

Fill in the email form below to apply now or for personal service  0800 001 685

  • This field is for validation purposes and should be left unchanged.

New Zealand Business, Personal, Mortgage & Insurance Brokers



Applying for personal finance or loan online is one of the quickest ways to get money faster.

Self Employed Loans in Waipu – The Mortgage Broking Specialists

Are you in search to get the most sufficient Self Employed Loans in Waipu? Contact us today and we will furnish you achieve the highest quality mortgage broking that you can obtainWe wish to thank you for looking at APM Finance to become your next self employed loans Waipu. We count it a privilege just to have you here visiting our site. We completely grasp that there are a number other proficient Mortgage Brokers you could possibly employ. It’s truly is our very purpose to help you out in making a choice on the exact mortgage broker service you’re researching for. Gladly serving our clients is our desire, and we would love the opportunity to offer you our Mortgage Broking services to you.

In choosing APM Finance as your next self employed loans Waipu Northland Kaipara, you will certainly be acquiring unparalleled service for a price that is economical. Get started with browsing the material listed below in order to view more unbelievably complete ideas on way to pick the most suitable self employed loans in Waipu and know you’ve made the right choice.
Our products and products and services will be supported by our guarantee to please you every single time. There aren’t exceptions.
Giving peace of mind is the thing that really matters to us.

Our intent, as the well-known self employed loans in Waipu, is not at all to gouge finances with mortgage broking support you won’t have the need for, but instead, to establish a long lasting working relationship with you. We take amazing care of our clients and customers, so you can freely anticipate nothing less than the utmost experience with us.

For everybody who is making efforts to obtain the most respected self employed loans Waipu Kaipara Northland, get a hold of APM Finance right now!

How to Choose Mortgage Broking Services

Learn How You Pick The Right Self Employed Loans Waipu Kaipara

Making a decision on the most ideal self employed loans in Waipu could be a highly trying process. As a result of lots of sub standard, “take your hard earned dollars” mortgage broking providers available to choose from, making a choice on dependable Mortgage Brokers you’re able to actually have confidence in could be fairly hard. Here are a few super major facets to begin thinking about prior to making that last conclusion of exactly who your next mortgage broking provider is going to be.

The most necessary criteria is that they’re licensed and insured. Should you decide to employ a mortgage broker missing these vital qualifications, you’re may very well be taking unneeded gambles that often possibly turn out to be costing you a tremendous amount of money. Being confident your self employed loans Waipu Kaipara is suitably licensed and insured is absolutely critical, and should be your main concern.

One more thing to attempt to find is sincere prices. Not too low, but not too costly. A number of Mortgage Brokers within the market will offer you “a bargain of a lifetime”, simply just to get you dedicated to them. While they have you inside their grip, they almost definitely smack you with outrageous prices that you could have no choice but to pay for. This sort of charade is far more wide-spread in today’s world, so it is important to be careful to steer clear of these mortgage broking services in Waipu.

The significant difference between simply finding the best support in your mortgage broking need, and being scammed, all truly comes right down to the choice that make when choosing your Mortgage Brokers. So do your homework, and make sure that the self employed loans Waipu that you engage with will meet these basic factors.
Providing for Waipu With High Level Solutions from the Absolute best Mortgage Brokers

Reviewing Your Local Mortgage Broker Services

Conduct An Extensive Review of Your Self Employed Loans Waipu Kaipara

After you are shopping around struggling to find some of the most known Mortgage Brokers in Waipu, randomly picking one from the classifieds listings isn’t usually the most appropriate option to go. With the amount of distinct options and providers from which to select, just how would you have the means to know for certain which self employed loans is the most useful fit for your requirements and your special situation?

The probability of choosing the consistent mortgage broker by using method is certainly not very good by any means. In actuality, it isn’t only extremely difficult, but additionally not worth the potential issues involved. Improperly making a decision on your next self employed loans is more than likely to take you through more and more difficult incidents before you actually get a hold of anyone that is equally successful and very affordable. “You have got to be sure that you always spend the time to find the best self employed loans, for the cost that is good.

Do Not Ever Disregard Customer Testimonials

It isn’t a simplistic endeavour, but right before making a decision on your mortgage broker, you must try to noticeif they have a first-rate repute. You’ll find nothing more telling and exposing than legitimate reviews. These testimonials will provide powerful advice on just how the self employed loans Waipu actually work for their clientele. “To look at these reviews, you can check out numerous review sites like Yelp and Angie’s List. “You may as well look into Google Reviews as well, to find out if the self employed loans Waipu Northland that you were planning on employing warrants the amount money finances you are going to be paying out.
“It is extremely very imperative you have the appropriate information in front of you, so you can properly compare and contrast your prospective mortgage broking establishments.

Commit to succeed by deciding on the most suitable self employed loans, and don’t put aside those invaluable customer testimonials!

The Respected Self Employed Loans Waipu

Our many years of practical knowledge in the mortgage broking sector is what has empowered us to grow into the regarded self employed loans Waipu. Our history for satisfied clientele speaks for itself.

As for customer support, we really are the experts. We will not overcharge for our support, and present expert knowledge to every and each single client.
Throughout the years, many people have asked us, at all hours through the day, to help with their mortgage broking needs.

Being the respected self employed loans Waipu Kaipara just is not something we take frivolously. With each and every client, however small or large the difficulty might well be, we are always good to go that extra step further for you.

Whenever we start with the process of performing for you, there is no doubt that APM Finance doesn’t only guide you, but we’ll also educate you, to help you to protect against possible future situations.

Our number one goal is to conserve you as much money as we can without compromising the level of service we offer. All of our services are priced as affordable flat-rates, so you do not need to worry about paying us by the hour. The mortgage broking expertise we can supply to your circumstance will undoubtedly put you at ease.

Leave the hard work to us, and let APM Finance be the Mortgage Brokers that actively satisfies you!

Highly Innovative Professionals
The Highly Innovative Mortgage Brokers

Inspect the mortgage broking assessment webpages for true client dataThrough the years, the mortgage broking industry has actually progressed from a really primitive state, to an incredibly high quality area of work. Mortgage Brokers have actually risen to the challenge and have benefited humanity with high end mortgage broking developments and concepts. We all can breathe a lot better knowing there are legitimately skilled experts readily available who have actually acquired the expertise to assist in the forward development.

This expertise is displayed masterfully by APM Finance, which indicates to our capability to adapt to the ever changing mortgage broking field. We aren’t stuck in past still trying to make use of out-of-date methods and processes, rather, we’re devoted to be fully experienced in every element of the mortgage broking field in today’s modern world.

Each and every one of our Mortgage Brokers are accredited and highly educated to take on whatever you might require. Even if your requirement is small, large, or anything in between, you can undoubtedly count upon us to be the suitably trained and experienced self employed loans Waipu.

Do not chance time and money to a mortgage broking business that’s stuck in the old ways of doing things.

The Mortgage Brokers Providing Old Fashioned Customer Satisfaction

With lots of choices, products, and new technologies now readily available in the mortgage broking industry, it’s sometimes hard to understand which solution will not just help you best, but will likewise last the test of time. This is why our Mortgage Brokers take our business concept of providing customers “new technology and developments with the same exact old fashioned service” very seriously, as we don’t just possess the expertise required to safeguard your investment, but will also extensively describe why a certain option would fit your needs.

We think that that the transparency in how we carry out our business, and our high level of commitment to our consumer’s fulfilment is really what sets us apart. We aren’t satisfied until you are satisfied with the outcome. We’re Mortgage Brokers who back up our work and will always put you first.

So What Do the Experts Really Do?

Signature Mortgage Broking Services – So Exactly What Do The Professionals Do?

To discover excellent quality, dependable mortgage broking services, there are a good number of things you can research in advance in order to lower the danger of selecting someone that in fact makes your circumstances a whole lot worse.

So what is it that the specialised Mortgage Brokers do?

Mortgage Broking is a highly skilled profession that’s constantly in high demand, as a result of the fact that every person and business at some point or another will be needing mortgage broking services. The primary role of a mortgage broker is to supply you, with service that is of high professional quality, something that is lacking in a whole lot of other mortgage broking companies. They also offer a variety of other support that are way too many to mention here.

While your friend from work may know a person, that knows some other guy that possesses some level of experience, for any severe mortgage broking concern, this is a major NO-NO, and needs to be completely avoided. Your self employed loans in Waipu should really have a successful track record with shimmering testimonials. Using an unlicensed individual to help you is a massive danger that’s simply not worth taking.

The second worst thing you can do is open the Yellow Pages and pick the very first company offering the services you may be trying to find. This also encompasses choosing the mortgage broking company that offers the cheapest rates without having done any research ahead of time.
Keep in mind, going too inexpensive in the start will ultimately cost you in the long run.

Picking an expert to be your mortgage broking service is extremely essential.

Qualifying Credentials vs Working Knowledge

Seeking the mortgage broking experts that contain sufficient credentials is sensible and does have some value, yet one of the most essential quality that makes impressive Mortgage Brokers is a fantastic amount of in-field experience. This is typically gained from internships and apprenticeships and ought to be something you meticulously inspect prior to you begin the process of making your decision. You will find that the premier Mortgage Brokers have qualifications as well as many years of practical experiences.

Do not ever be scared to call and ask about the experience of the mortgage broker in question before you decide to call them out. The more years on the job is certainly much better.

Choosing a qualified self employed loans Waipu with large amounts of experience will surely reduce the risk and keep you in safe hands.
We're Mortgage Brokers who will go that step further for you

What Should You Expect From Your Chosen Service Provider?

What Should Always Expect From Your Chosen Self Employed Loans Waipu Northland

Just as with any line of business, you must expect your selected mortgage broker to be punctual, courteous and friendly right from the beginning. Anything less than that, you might want to begin thinking about turning them away and making a complaint or publishing an unsatisfactory testimonial on the internet about them.

If their personal behaviour is unprofessional, then it is most likely that their work will be lacking as well. That first impressions could mean everything and will certainly inform you a significant amount about the grade of work they’re going to provide. It is vital to expect the correct things out of your Mortgage Brokers.

Beware: Especially Reduced Mortgage Broking Rates Can Possibly Equal to Low Quality Service

All too often, but not always, (there are rare exceptions), the giving the minimal prices will normally not be the self employed loans Waipu who will be able to perform the task to a standard which can actually stand up to the biggest test.

Most will attempt to get you to think that you are saving serious money simply by utilising them, nonetheless the disappointing fact is that you will requiring the expertise from some other self employed loans in Waipu not very long after.

This may have been brought on by the mortgage broker doing the least to give the idea of a job well done, knowing full well that they did not do it right to start with. The cheaper businesses could possibly rush to get the done and have employed a much less capable staff. Scepticism must be raised in cases where that price of the self employed loans is way too good to be true.

The Importance of Selecting Someone With References

The Importance of Picking Mortgage Brokers with References

When looking for your new self employed loans Waipu Northland Kaipara, make use of family members for references. They will likely have already had somebody in for comparable work, and they can tell you who to rely on, as well as who to stay away from. But if your family and friends had not previously used anyone, inquire with co-workers or other people you depend on in your city for some referrals.

Somebody might sound as if they are familiar with what they’re doing, but the real truth is, you can’t simply take their word for it. You need to be able to contact previous clients to have a realistic understanding of exactly what to expect out of this service.

When a mortgage broking service offers a number of individual references, make sure to make use of it. Get in touch with the folks from the list, and ask about the grade of the work, how carefully the mortgage broker came to their first quote, and whether the work was finished with regards to the promised time frame.

Before picking a self employed loans Waipu Kaipara, you ought to have a good understanding of what you are looking for. It could be even more troublesome for the mortgage broker to give with a price appraisal on the telephone if they have not viewed your mortgage broking need themselves. It’ll be even increasingly troublesome if you don’t describe what your exact need is. Arranging a visit or meeting to chat about the difficulties will likely be the absolute best practice, and will confirm both sides are on the exact same page.

When you’re in need of the perfect self employed loans, it all starts with good communication between you and the provider.

Conclusion – Do Your Research and Get The Right Self Employed Loans

  • Do not have an amateur mortgage broker to take on the task.
  • Keep away from unfriendly and uncooperative Mortgage Brokers.
  • If in doubt, have a second and even third opinion from other authentic Mortgage Brokers.
  • Never hire mortgage broking establishments offering the cheapest prices.
  • Only make use of the self employed loans Waipu which can guarantee work.
Contact APM Finance Now to be Your Self Employed Loans Waipu for Exceptional Mortgage Broking Services!


Conditions Apply | Disclosure Statement available on request