FINANCE & MORTGAGES  Accountants Hawkes Bay Ltd are able to assist with all types of finance and mortgages. This includes both residential and business  finance. We hold brokerages with certain banks including ANZ and National Bank. We also enjoy association with a broker in Auckland  specialising in accountants finance called Sofi.  We of course wish to ensure that we talk to all our clients when financing as the intention and set up of the borrowing is important to  make it tax deductible or not. We recommend you talk to one of our representatives whenever financing. Note this includes vehicles,  working capital, property purchase etc.   Information required by banks includes:  · Completed home loan application form, signed by all parties  · Budgets of personal expenditure and outgoings  · Verification of ALL declared income  · PAYE income - Original payslip being not more than 30 days old showing gross p/a income   · Self Employed income - Two years financial statements for the business (from which you derive your income) and last two  years personal tax returns. Financial statements must be prepared by an accountant.   · Rental income - Copy of existing Rental Agreement or tax return showing rental income. Prospective market income can be  confirmed by copy of new Rental Agreement, full valuation, or independent market report from a registered Real Estate agent.   · IRD/WINZ income - Letter from IRD/WINZ showing current entitlements or benefits   · Boarder income - Income evidenced by a regular referenced deposit (3 months), or signed agreement between parties  specifying the board amount.  · Deposit / Equity confirmation  · Detailed diary note outlining your situation and loan proposal  · Proof of identity including invoices, drivers licence and/or passports  National Bank Checklists  National Bank Calculator  The right funding is important for the future of the business and obviously we should try for the cheapest funding available.  Fee Funding We have companies that will finance your accounting fees.  Generally this will be over a 12 month period for a maximum, however, talk to  us if you wish to pay your fees over time or have it funded. Note fee funding is guaranteed by us so generally we seek personal  guarantees to support any loan applications made. Fee funding can be arranged by calling Maurice Harding, Eileen Dobbie of our office.  The specialist person set aside in our office for financing is Maurice Harding.  Request Appointment