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First Home Lending Next Step Lending Insurance KiwiSaver About Youm Get Started

Got questions about your KiwiSaver?

KiwiSaver can be a confusing mountain to climb. We’re here to tackle those questions in any way we can.

Our process.

Getting expert advice around KiwiSaver is crucial to ensuring you can best maximise your returns and ensure the best outcome when you need it. This could be to help towards a deposit on your first home, or ensuring you have a comfortable retirement. Youm have teamed up with Koura Wealth Ltd and Generate KiwiSaver who both offer advice and recommendations that will best suit your future goals and risk profile. We can refer you to discuss your Kiwisaver fund.

Get Started

Frequently Asked Questions.

What does a mortgage adviser do?

A mortgage adviser (or sometimes referred to as a mortgage broker or financial advisor) is a person or a company that works with a lender (bank) to arrange a mortgage tailored for you. They work with you to get an understanding of your current financial situation, any future plans, and any specific requirements to figure out what’s best suited for you. An adviser will also guide you through the entire process, using their experience to give you the best advice along the way. They are able to design your mortgage to your situation in order to ensure it is affordable and maximise any opportunities to save money and pay off your mortgage faster.

What information do I need to provide?

The type of information you need to provide will change depending on your specific situation. But in general, this is what you will need to provide: Proof of income. This should be 3 recent payslips and proof of any other income you may receive. Proof of deposit and savings. Up to 6 months of recent statements for any savings that will be used for the deposit. If KiwiSaver or a gift is part of the deposit, then proof of these funds will also be required. Your last 3 months bank statements for all accounts where income is paid into. Photo ID, like a drivers licence or passport. If you are still looking for answers, click the link below for a full list of the paperwork you may need or you can contact us to get a concrete answer.Home Loan Document Checklist

How long does it usually take to get a loan approved?

After we get to know each other and we have collected all of the information we need, we will take 1-2 days to figure out what the best solution for you is. Once we come to an agreement, we send off the loan application and it can take anywhere from 5-10 working days to approve the loan. Although, all these timeframes can vary depending on how complex your situation is. Your adviser will make sure you are in the loop throughout the entire process.

Why should I use an adviser and not go straight to the bank?

A mortgage adviser is able to get a better understanding of your financial situation and requirements, from which we use this information to match the right lender and loan structure for you. They help to ensure that your loan application is completed correctly and presented in a professional manner to ensure the best outcome. Advisers are here to use their experience to guide you through the entire process, making it much less stressful. Most banks will leave you after the loan is approved. An adviser is here to walk with you even further for things like reviewing a fixed loan when it’s due to expire.

How does Youm make money?

The banks and lenders that we work with pay us a commission for arranging and settling the loan. This commission is not an added cost on your mortgage. Some of these lenders will also pay us a yearly commission for ongoing advice and reviews on behalf of the lender. In some situations, there may be a fee charged to you if the loan is complex or does not result in the lender paying for the mortgage advisor for the work they have completed. If this is the case, your mortgage adviser will advise you of any added costs before you agree to proceed.

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Our process.

Frequently Asked Questions.

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