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Refinancing your mortgage

In most cases of a pending mortgagee sale the bank want your loan refinanced. However, this is not always the case depending on your mortgage history, credit rating and reason for the mortgage arrears....as you can imagine each case is different.

So where to from here...?

The first step is to contact us for a free consultation - take action - don't leave things and hope it will all come right
We will analyse your full financial situation and make a recommendation on your options - by law we must put your interests first and recommend the best option for you. Also we recommend you contact your lawyer to update them of your situation.

What does ADVOCO need to help?
Firstly we will give you our Personal Disclosure Statement and an assessment form which needs to be completed showing your assets and debts. We require identification, evidence of wages/salary, bank statements, mortgage statements, the Demand or Property Law Act notice and valuations. (if valuations are available)

So how can we help?
We can help at each stage of the mortgage arrears process even if the PLA has expired. We will need to assess your financial position and advise you on your options. We understand the stress and anguish that you must be going through and will do our utmost to assist if we can.

With our 'Mortgagor Rescue Package' may be a second mortgage can be applied to repay the arrears, may be a family member can help or guarantor. May be a full refinance is required to help you get back on your feet, then refinance back to 'bank rates' at a later date, or sell the property without the stigma of a mortgagee sale.

For many clients we have negotiated with the bank/lender to have expiry dates extended and liaised with the banks lawyers to find out other important information to help you. (We do charge an hourly rate for this service, if we negotiate on your behalf)

Over the years as a mortgage broker I have helped save 107 homes for mortgagee sale and saved hundreds of thousands of dollars in equity - I may be able to help you.

The above is for information purposes only and not to be taken as advice. For detailed advice on your situation -

Call us on 0800 ADVOCO (0800 238 626) or email us.

Testimonials Steve McGowan
As seen on Fair Go
Stop Mortgagee Sale
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Mortgagee Sale
Some of the 107 homes Steve has saved from the auctioneers hammer!

King George Avenue, Epsom.

Williamson Avenue, Grey Lynn.

Khyber Pass, Grafton.

Ivy Place, Birkdale.

Evandale Street, Glen Innes.

Whangaparaoa Road, Whangaparaoa.

Layton Road, Manly.

Kenwick Place, Pakuranga.

Scenic Drive, Swanson.

Port Waikato Road, Tuakau.

Layton Road, Manly.

Eyre Street, Henderson.

Edinburgh Street, Pukekohe.

Ivon Road, East Tamaki.

Hillsborough Road, Mt Roskill.

Israel Avenue, Clover Park.

Dawson Road, East Tamaki.

Howell Street, Mt Roskill.

Lake Road, Devonport.

Rangatira Road, Birkdale.

Levesque Street, Birkdale.

Alidade Place, Massey.

Otaua Road, Waiuku.

Ambler Avenue, Glen Eden.

Trojan Crescent, New Lynn.