Selwyn Times: June 09, 2021

Wednesday June 9 2021 Selwyn Times 19
Your guide to all things Real Estate
in the Selwyn District
The art of mortgage advising
Sharon Hunt,
Mortgage Advisor
and the Director at
Loancraft
Sharon Hunt is a Mortgage Advisor
and the Director at Loancraft, a Leestonbased
Financial Advice Provider—and
they have an ethos to leave you in a better
financial position than when you first
meet. It doesn’t matter who you are, you
should be better off for working with
Loancraft. Sharon and the team have a
wealth of experience when it comes to the
financial world and are proud of the help
they’re able to provide, evident by the fact
that clients come back time and again for
advice on how to manage their money
because they know—help is just a phone
call away.
What Loancraft can help with
Loancraft arrange loans for people that
are in the market for a new home (either
buying or building), or those who need
top-up loans for renovations, investments
or a new car. In most cases—and it’s the
core of what they do—you’ll start with
a budget assessment to discover all your
debts and credit cards, look at what you’re
earning, where that money is currently
spent (rent, rates, food, insurance, etc)
and importantly, what’s leftover (the banks
call this a surplus and it’s very important.
Whether you have short- or long-term
financial goals, they can help you forward
plan to reach them. Debt consolidation
can play a big role in getting you on
track—rolling all your debt into one loan
with a lower interest rate than you’re
currently paying. Without this, you could
be short-changing yourself and decreasing
your borrowing capacity, so this is an ideal
way to set yourself up and improve your
financial position.
What you can expect
To give you the best they’ve got,
Sharon and the team do a thorough
job in assessing your financial position.
They’ll ask lots of questions, sometimes
about things you might not have even
realised were relevant—like the limit of
your credit cards (not just the balance).
They’ll also encourage conversation about
how and where you currently spend
your money and analyse how that ties in
with your grand plans. Even if you’re not
financially ready for large commitments
like a mortgage, they help you on that
journey with good preparation. But don’t
be disheartened if you don’t have enough
money now, or don’t earn enough—that
home loan might not be as far away as you
think and Loancraft will be with you every
step of the way.
So, if you’re sitting there thinking
“money is tight, but I can’t afford financial
advice”, that’s simply not true. 99% of the
time your advice is completely free. You’ll
only pay a fee in exceptional circumstances
which is all covered off in the terms of
engagement you’ll sign.
If you’re ready to get control of your
finances, or you’re planning to buy,
build or renovate and think you might
benefit from some financial advice, get
in touch with Sharon at Loancraft before
you make any big decisions. You can
reach her on 0274 339 752 or at www.
loancraft.co.nz
Showhome
Guide
LOOKING FOR DESIGN INSPIRATION?
Visit one of our stunning showhomes to gather ideas for your dream home
Signature Homes
Faringdon
47 & 49 Lanner Drive, Rolleston
Both Open Wed to Sun 12pm-4pm
Show Room/Office:
31 Watts Road, Sockburn
Open Mon to Fri 9am - 5pm
0800 8444 88 or 03 342 7788
www.signature.co.nz
Faringdon, 47 Lanner Drive, Rolleston
SHOWHOMES
Both showhomes
Open Wed-Sun 12pm-4pm
Faringdon, 49 Lanner Drive, Rolleston
SHOWrOOM / OfficE
31 Watts Road, Sockburn
Open Mon-Fri 9am-5pm
0800 844 488
signature.co.nz