Mortgages

Caglan Bagci (pronounced Chall-an Bar-chi) is NZIJ Mortgages' mortgage adviser.

Caglan says, "Anyone can quote a rate. The cheapest finance with a bad structure for an inappropriate property (some properties don't make good rentals) is not a good outcome.

"I specialise in working with property investors and self-employed borrowers. The key to a successful outcome is in understanding the client's current and future needs, and recommending a structure and finance option that best suits those needs.

"There is no best mortgage but there is a mortgage structure and lender that is best for a client at a given point in time. In my experience no profitable lender has achieved anything other than a very short term competitive advantage over another."

NZIJ Mortgages' value proposition is all about advice:

• How much should you fix and for how long?
• Is revolving credit suitable for a portion of your debt?
• Should you consider the use of an LAQC or Family Trust? Or perhaps a combination of both?
• Negative gearing and capital gain based investing or yields? What is best for your situation?
• Or even, where to start as a property investor.
• There is no charge for residential mortgage brokerage.
  

Caglan has published a popular series of articles on property investment in the New Zealand Investment Journal.

To read information about Caglan, click here
To contact Caglan Bagci about Mortgages please click here