Filing for bankruptcy means asking a federal court to protect you from creditors. At the end of the process, the court will discharge – that is, cancel – any debts the law allows you to discharge. A debtor who files for bankruptcy protection must list all of his debts, whether they are secured by property or unsecured. The law allows you to discharge most, but not all, unsecured loans and other unsecured debts.
Our team has many years of finance experience so we know exactly what we are doing and do our best to get the loan that you want. All you need to do is fill in our online application form and one of our team will come back to you and let you know what we can do. This is before we do a credit check; that way we’ll help protect your rating. With Max Loans we know you won’t be disappointed with our service – always personal, understanding and professional.
Sure, almost anyone can go and borrow money from finance companies like Instant Finance who make it very easy and claim they will lend money for personal loans from $200 – $20,000 for just about anything. Car loans, boat finance, car repairs, home renovations, debt consolidation, bond money for rented property, weddings, school fees, holidays and funerals. If you have any other needs, feel free to talk to us about it” But what they fail to highlight is the interest rate they charge.
Finance and the add-on insurance and warranty products that are offered can often provide more income for the business owner than the physical product they are selling and therefore they are keen to make you feel obliged to do the finance with them. Instant Finance even own a car yard and a business that supplies furniture and home appliances and the real reason is to capture more opportunities to sell finance, insurance and warranties.
Building up a credit history can be difficult, even when you have a steady job. Not everyone has a house they can put up as security for a mortgage on an investment property. Some graduates don’t have a car because they’ve never needed one until it came time to commute to a job. Most people don’t have a massive collection of inherited jewellery they can put up. Our consultants live in the real world, with you. We’re here to provide options that don’t require you to offer up a valuable item as proof you’ve got what it takes to make your repayments.
As well as giving you peace of mind, our money assistance solutions are easy to apply for. As you do not need collateral, you can complete the application process in minutes online. We pride ourselves on our fast processing that ensures you get the money in your bank account as soon as possible. All we need to do is discuss your needs and objectives, and ask a few simple questions about your income – no waiting in line, no daunting formal process, and no Spanish Inquisition on your work history!
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Working closely with you one-on-one with your individual needs as our priority, our consultants will keep you in the loop throughout the entire process from the application right through to the settlement of your loan. We will provide you with the most appropriate option for your situation at payments you can afford. By allowing you to apply for fast loans online or over the phone, NZ residents can enjoy a convenient solution to their financial requirements with quick approvals and most settlements happening the same day.
First Rate Mortgages Limited is New Zealand owned and operated by Kim Lyons , who is the principal residential and commercial Mortgage Broker. He is supported by Allan Nicol here in Auckland, who has now been with the Company 5 years. Allan has an abundance of valuable knowledge as a home owner and family man and is our Specialist Refinance and First Home Buyer Mortgage Broker in the South and East Auckland, areas such as Howick, Botany, Pakuranga, Manukau, Flatbush and Otahuhu. Together Kim and Allan concentrate on arranging NZ Home Loans, Investment, New Builds, Refinance, Consolidation, Construction and Commercial Property Finance.
Both Kim and Allan have now completed their studies and been awarded the National Certificate of Financial Services (Financial Advice) ( Level 5) in Residential Property and Insurance Advice and are both Registered Financial Advisers on the Financial Service Providers Register with the Companies Office. This is in addition to being accredited Mortgage Brokers with the New Zealand Mortgage Brokers Association, which is based in Auckland.