Mortgage & Invest Link Wellington North
Vicky Coombes
Mortgage advising
Repay Faster, Secure your Tomorrow, Today!
I make mortgages simpler, clearer and less stressful, helping you understand your options and find a lending solution that works for your circumstances.
Who I help
I help individuals, couples and families navigate their mortgage journey with clear, practical advice tailored to their circumstances. Whether you’re a first-home buyer, looking to refinance or restructure your existing home loan, purchasing an investment property, or simply wanting to review your current lending, I can help you understand your options and work through the process. I also help clients who have more complex circumstances, including self-employed borrowers, changing family circumstances, and clients approaching retirement, where a tailored approach may be required. My aim is to make the mortgage process easier to understand, help you consider the options available to you, and support you from the initial conversation through to settlement and beyond.
The problem I solve
Getting a mortgage can feel complicated, time-consuming and overwhelming, particularly when you’re unsure where to start or which lending options are right for your circumstances. I help take the stress and uncertainty out of the mortgage process by understanding your individual situation, explaining your options in plain language, and helping you navigate the application process from start to finish. Whether you’re buying your first home, refinancing, restructuring your lending, purchasing an investment property, or your circumstances have changed, I help you understand your options and make informed decisions about your mortgage. My role is to be your advocate throughout the process, helping you work towards a lending solution that fits your needs and financial goals.
My point of difference
Mortgage & Invest Link Wellington North is fully mobile, which offers a comprehensive and personalised service to our clients. The business is based on family values, practical experience, a thorough process establishing a client’s needs; and is brought together with assistance from long-standing partnerships.
My niche market
My niche is helping busy individuals, couples and families who want personalised mortgage advice rather than trying to navigate the banks on their own. I particularly enjoy working with first-home buyers, existing homeowners looking to refinance or restructure, property investors, self-employed clients and people whose financial circumstances have changed. I take the time to understand the bigger picture, explain the options in plain language, and help clients navigate the lending process with confidence.
Key benefits
Personalised advice – I take the time to understand your goals, circumstances and financial position. Clear, straightforward guidance – I explain mortgage options in plain language so you can understand what you’re considering. Choice and comparison – I can help you compare lending options across available lenders rather than relying on a single bank. Less stress – I help guide you through the application process and paperwork from start to finish. Ongoing support – My relationship doesn’t end at settlement. I’m here to help with future mortgage reviews, refixing and changes to your circumstances. A holistic approach – As a mortgage and investment adviser, I can consider how your mortgage fits alongside your wider financial goals.
Problems my clients avoid
Feeling overwhelmed by the mortgage process and not knowing where to start. Spending hours comparing banks and loan options without knowing what is relevant to their circumstances. Missing important lending requirements or documentation that can delay an application. Making decisions without understanding the longer-term implications of different loan structures or interest-rate options. Being unsure whether their existing mortgage still suits their circumstances as life and financial goals change. Having to navigate the process alone, I help coordinate the journey and keep clients informed along the way. Putting off their mortgage review and potentially missing an opportunity to reassess their lending as their circumstances change.
About
Vicky Coombes is a Financial Adviser, specalises and focuses on home mortgages, investment property, debt restructuring, re-financing, and the review of existing mortgage structures. Her expertise also extends to debt management and mortgage reduction strategies. Vicky is passionate about assisting clients to achieve financial freedom. Helping them reach their financial goals whether personal or professional, with as little stress as possible. In the past, Vicky has helped family, friends and clients who have been dealing with the frustrations of working directly with banks. With Vicky’s help they have been able to work through the difficulties and achieve positive outcomes enabling them to move forward with their financial goal We tailor-make financial plans that remove financial stress and build your net worth. The best place to start is by reaching out for a no-stress chat.
Products and services
Vicky is your local finance expert and can help you make sense of all the options, paperwork, and process. Vicky understands the finance and lending process and will do all the hard work for you, free of charge. Whether it’s your first home, you’re upsizing, renovating or looking to add to your property portfolio – it pays to be able to access the right knowledge and advice. • First home buyers • Upsizing • Refinancing • Refixing • Renovations • Investment properties • Debt consolidation • Reverse Mortgages and equity release. We also offer: KiwiSaver Schemes Wealth Planning Small Business Advice Socially Responsible Investing & Ethical Investing
Why I am a member
I have been in Venus since 2013 and found that the relationships I have built over the years are valuable and treasured. It's a great way to meet with light-minded businesswomen that are wanting to grow their businesses with genuine referrals.
Skills
- Business & commercial lending
- First home buyers
- Home loans
- KiwiSaver
- Refinancing & restructuring
- Rental & investment property
- Retirement planning
An invitation
Thinking about your next mortgage move? Let’s have a conversation. Whether you’re buying your first home, refinancing, reviewing your current lending or looking at an investment property, I’m here to help you understand your options. Get in touch with Vicky at Mortgage & Invest Link Wellington North and let’s talk about where you want to go next.