Your Trusted Financial Partner
Expert Financial Advice for Securing Your Future
Personalised Mortgage, Insurance, and Kiwisaver Strategies. Find out what you need to know before you purchase your first home and make informed decisions every step of the way.
Your Trusted Financial Partner
Expert Financial Advice for Securing Your Future
Personalised Mortgage, Insurance, and Kiwisaver Strategies. Find out what you need to know before you purchase your first home and make informed decisions every step of the way.
How Billig at Peak Financial Services Prepares You for Homeownership
Billig is a Financial Advisor affiliated with Peak Financial Services, a licensed Full Financial Advice Provider subject to the Act and FMA regulations under section 403 of the Act.
His goal is to ensure that every client gets into a home and feels secure and supported. There is help in every step from getting ready to borrow and understanding key location factors to balancing
qualification with affordability, offering expert advice on down payment strategies, smart saving tips, due diligence, and securing pre-approval.
His goal is to ensure that every client gets into a home and feels secure and supported. There is help in every step from getting ready to borrow and understanding key location factors to balancing qualification with affordability, offering expert advice on down payment strategies, smart saving tips, due diligence, and securing pre-approval.
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Blogs & Insights
First-Time Home Buyer: A Guide to Making Smart Homeownership Decisions
Buying your first home is an exciting milestone, but it can also feel overwhelming. From understanding mortgage options to saving for a down payment, there are many steps involved in making homeownership a reality. This guide will help first-time buyers navigate the process and make informed financial decisions.
Understanding Home Loans: A Guide to Home Financing
A home loan is one of the biggest financial commitments you’ll make in your lifetime. Whether you’re a first-time homebuyer or looking to refinance…
Frequently Asked Questions
1. What if my home loan application isn’t approved?
If your loan isn’t approved, Billig will help you understand the reasons and explore next steps. This may include reviewing your credit report, adjusting your budget, or identifying lenders whose criteria better match your financial situation.
2. Can working with Billig help me secure better loan terms?
Yes. Billig compares multiple lenders’ rates and lending conditions, helping you find options that best fit your goals and borrowing profile. This saves you the time and uncertainty of applying with multiple banks on your own.
3. How does Billig determine which financial solution suits me best?
Billig begins by understanding your income, savings, debts, KiwiSaver balance, and long-term plans. He then reviews different lending and insurance options, explaining the benefits and trade-offs clearly so you can make an informed decision.
4. I’m a first-time homebuyer with a small deposit. Can Billig still help?
Yes. Billig can assess whether you qualify for low-deposit lending, explore KiwiSaver and government support options, and outline practical saving strategies to help you get closer to homeownership.
5. What documents should I prepare before applying for a home loan?
You’ll need proof of income (payslips or tax returns), recent bank statements, details of your debts or credit cards, KiwiSaver and deposit records, and identification. Preparing these in advance helps make your application smoother and faster.