- Assisting first home buyers with mortgage provider options
- Advising first home buyers on deposit sources including a KiwiSaver option
- Advising commercial and residential landlords on safeguarding their “retirement” asset
- Giving advice on the restructuring of existing home loan structures
- 30 years experience working in the banking industry
- Specialist in mortgage advice since 2003
Ian specialises in mortgage advice having built up a large client base since settling in Nelson about 20 years ago. Prior to that he built up a depth of lending industry knowledge, moving around New Zealand in adviser roles with ANZ bank. Ian understands the need for specialty advice to help people make choices within the home mortgage market given the wide range of products on offer. He has access to more than 20 different lender packagers. Ian enjoys getting to know both the first home buyers and families that need his market knowledge. He gets a buzz relating to them both on a business level about the outdoors Nelson lifestyle he and his own family enjoy. His long industry service means he has an immediate understanding of where a client’s needs will fit in terms of different bank requirements. Ian finds there are very few times he is unable to find a lending solution to satisfy his client’s financial needs.
Ian likes to help first home buyers. He keeps well in touch with the latest industry developments such as the Reserve Bank’s recent changes around loan to value ratios. That has impacted on the main banks’ ability to lend those with a limited deposit towards a home purchase. Banks can now only apply 10 per cent of their total lending book to those with less than a 20 per cent initial deposit. He understands the need to look at all options when gaining that home purchase collateral and has close contacts within the industry including second tier lenders that can help ensure clients are able to buy the property of their dreams. He can recommend whether to draw in help from the wider family to get backing for a new loan, or whether a young couple or individual should access their KiwiSaver accounts. Those who have belonged to KiwiSaver for at least three years are able to withdraw most of their savings, provided they leave a minimum balance of $1,000 in their account, he says. For clients that already have properties and/or short and long term debt Ian can help restructure their existing loans so that make their next purchase affordable. Ian has no greater satisfaction than helping clients take their next step towards the ownership of an asset that will help them achieve their top life ambitions.
Outside of work Ian enjoys hunting and fishing. He enjoys taking his family and friends out on the boat into Golden Bay or the Marlborough Sounds to watch the youngsters bring up a crayfish from a scuba expedition or catch a snapper or kingfish.
We have known Ian French for the last 12 years as our mortgage broker, having met some years prior when Ian was our Bank Manager.
Ian has always struck us as being a person of integrity. Ian has the ability to see the bigger picture, which has proven invaluable to us when considering our options at restructuring our mortgage, or when considering buying investment property. He is well informed of current trends and able to think creatively, offering us possible options we had not considered, as well as keeping things realistic and within our price capabilities.
Ian has a passion for working with his clients to achieve their dreams. We recommend Ian highly.
Robyn and Sam Hogg