ADVOCO 
MORTGAGES
<Latin> "to call an adviser"

It's one thing to know the numbers, it's how to make the numbers work for you. 

ABOUT US

At ADVOCO Mortgages we eat, sleep and breathe bank mortgage policy - so we can provide you with the best mortgage advice and solutions for your mortgage. 

We help with the whole mortgage process from assessment, approval and settlement using our 6 Step Advice Process – so you get to celebrate getting the keys to your new home without the stress and hassle...let us worry about the mortgage.

We can help first home buyers, those moving up the property ladder, refinancing for better rates and service, debt consolidation of high interest loans, second mortgages, mortgage arrears and mortgagee sales ... simply put, we can help with everything and anything to do with a mortgage - Let us be your advocate.

Modern Neighborhood

WHAT WE DO

BUILDING A HOME OWNERSHIP PLAN

Here you'll learn how to make a Home Ownership Plan, so you can improve your chances of getting a mortgage to buy your home. If you're a First Home Buyer (FHB) using KiwiSaver or getting help from Bank of Mum and Dad (BOMAD), moving up the property ladder, buying an existing home, new off the plans 'turnkey' or building new with a fixed price build contract - we'll help you plan your home ownership journey and advise you on the do's and don'ts.   

IMPROVING YOUR CHANCES

We'll provide advice on how to improve your chances of getting a mortgage. With changes to The Credit Contract and Consumer Finance Act (CCCFA) getting a home loan just got a whole lot harder - we can help you navigate this legislation so it works in your favour.   

WE DEAL WITH THE PAPERWORK

Let us deal with the paper work and the mountain of forms that need completing ie. FATCA, Nature & Purpose, AML/CFT. You'll still need to complete an online application and provide supporting documents ie. income, bank statements etc. We'll handle the rest as your time can be better spent doing what you want to do.     

YOUR ADVOCATE

We've been writing mortgages for 21 years and have excellent relationships with over 39 banks, non-bank lenders, finance companies and private lenders. These business relationships have been built based on trust and the quality of our mortgage applications we've presented over the years. We will be your best advocate for your mortgage.      

ONGOING MORTGAGE ADVICE & SUPPORT

Now that you have a mortgage - our service does not stop there. We provide ongoing advice and support for the life of your loan. Advice of fixed interest rates, loan structure, how it pay it off quicker - saving you tens of thousands of dollars, loan top ups when needed and we will refer to you the right people to protect your life, income and assets. 

TESTIMONIALS

 

My family and I approached Steve McGowan in 2009 because we were on the verge of losing our home. For sale signs were up on our lawn, our mortgage payments were nearly twice the amount of a normal mortgage and we also had to deal with an ex "cowboy" broker. Most of the brokers we approached earlier turned their back on us and said our situation was too difficult to help. However, Steve McGowan thought otherwise.

My family and I approached Steve McGowan in 2009 because we were on the verge of losing our home. For sale signs were up on our lawn, our mortgage payments were nearly twice the amount of a normal mortgage and we also had to deal with an ex "cowboy" broker. Most of the brokers we approached earlier turned their back on us and said our situation was too difficult to help. However, Steve McGowan thought otherwise.

 

Steve helped us with his professional finance knowledge and banking experience as well as his hard determination. He managed to not only get us a fantastic mortgage loan with excellent rates but also assist in taking down a "cowboy" broker. My family were grateful for his advice, effort, and support.

 

I highly recommend Steve McGowan from Advoco services when you’re stuck in a huge financial rut or just need a little financial advice. No matter how big a problem, he'll be there to help.

 

Thanks again Steve.....you're THE MAN.

Don Makalena