Question 1

Does it cost anything to work with Vincent Uys?

Accepted Answer

No. Vincent's mortgage advice is free to consumers. Lenders pay a commission for arranging the loan, and the exact amount is disclosed to you before you sign.

Question 2

Which lenders does Vincent Uys work with?

Accepted Answer

Through Base Mortgages, Vincent is accredited with all major New Zealand banks (ANZ, ASB, BNZ, Westpac, Kiwibank, Co-operative Bank, SBS, TSB) plus specialist non-bank lenders, allowing whole-of-market comparison.

Question 3

What is the difference between a mortgage adviser and a bank's mobile lender?

Accepted Answer

A bank mobile lender can only offer their bank's products. An independent mortgage adviser like Vincent Uys compares multiple lenders, negotiates on your behalf and acts in your interests, not a single bank's.

Question 4

How long does mortgage approval take in New Zealand?

Accepted Answer

For straightforward applications, pre-approval usually takes 5 to 10 business days after submission. Complex situations such as self-employed, new to New Zealand or construction lending can take longer.

Question 5

Can Vincent help self-employed borrowers?

Accepted Answer

Yes. Self-employed lending is a speciality. Vincent understands how each lender treats retained earnings, add-backs and shareholder salary, helping match your application to the lender most likely to approve it.

Question 6

Where is Vincent Uys based and does he work remotely?

Accepted Answer

Vincent is based in New Zealand and works with clients nationwide via video call, phone and email. Most clients complete their entire lending process remotely.

Independent home loan advice for every situation.

First Home Buyers

Refinancing

Investment Loans

Self Employed

Pre Approvals

Debt Consolidation

Not sure which fits your situation?