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Case Study - Top up decline turned around

In the video below, Greg explains a client example where:

  • Client went directly to the bank to get a $25K top up for some family travel
  • Client can access their KiwiSaver in 4 years so wants to pay off the loan then
  • The bank declined the application initially when the client went directly to the bank as the repayments over 4 years were going to be too high for the client to service
  • The client came to My Mortgage
  • We reworked things for the client, extended the loan term for servicing to work and still set the loan up so it can be repaid whenever the client wanted
  • The end result: A larger top up from his own bank and also an option to refinance to another bank if they want


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