No right or wrong answer!
You will not be shown the door for saying the wrong thing. We will find out your whole situation and then present it optimally to the Bank in a compelling proposal which gets to the point and cuts out the noise. This is what we do everyday with an overwhelmingly high rate of success. We, Phillip and Charles, work on every file together bringing our joint insights to the table.
Our point of difference
If we have a single point of strength that makes us stand out, it is our relationship with a network of assessors across Banks. They value the consistent high standard of our applications and the reliable persons that we are. They apply their expertise assessing our applications and making them work in one format or another.
![Charles Spilhaus Charles Spilhaus](https://www.mbw.co.nz/wp-content/uploads/2023/10/Charles-Spilhaus.png)
Charles Spilhaus
![Phillip Spilhaus Phillip Spilhaus](https://www.mbw.co.nz/wp-content/uploads/2024/08/Phillip-Spilhaus.png)
Phillip Spilhaus
Everything to do with bank lending
New lending, top-ups, refixes, review & restructure, refinance? We have a depth of experience in virtually every facet and what we don’t know we know where to find out.
Free mortgage services
The service is free to you when dealing with main-banks – we are paid by the banks.
There may be a fee when we deal with non-bank lenders, which will be discussed beforehand.
There may be a fee when we deal with non-bank lenders, which will be discussed beforehand.
How long does it take?
The sooner we start, the sooner it is all done. We keep you informed on progress. We will never imply that something is already in hands of the bank [when it is not] or anything like that. We will be transparent about response of the bank and the true situation.
Charles has had 45+ years in banking, mortgage broking and small business advising – and he has loved every day of it. Phillip has developed the same love and insight in a shorter time since his career-change in 2021. With most people it is impossible to think like a bank unless you have worked in bank…but Phillip has picked that up with no problems.
Call us today for a discussion. It does not matter whether you are ready to start the process or just needing a preliminary fireside chat.