Licensed Mortgage Adviser · New Zealand

Your NZ Home Loan,
Sorted Properly

Jagdip Randhawa compares 20+ lenders to find the right mortgage for you — whether you're buying your first home, refinancing, or investing. Completely free service.

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Client Recommended
FMA Licensed Adviser
20+ Lenders Compared
All of New Zealand
Jagdip Randhawa, licensed mortgage adviser based in Pokeno, New Zealand
Free
Always free to you
Paid by lenders
20+ Lenders
ANZ ASB BNZ Westpac Kiwibank + 15 more lenders
🏡
Trusted by Kiwi homebuyers
20+
Lenders on panel
$0
Cost to you — ever
5⭐
Highly Rated
What I help with

Mortgage solutions
for every situation

From first home to forever home — Jagdip helps New Zealanders navigate the mortgage process with confidence.

First Home Buyers

Buying your first home is a big deal. Jagdip guides you through every step — KiwiSaver withdrawal, First Home Loan eligibility, and finding the right lender for your situation.

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Refinancing

Could you be saving money on your current mortgage? Jagdip reviews your loan and shops the market — including cashback deals banks won't advertise to you directly.

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Investment Property

Ready to grow your property portfolio? Jagdip structures investor loans to maximise your borrowing power and cash flow, accounting for DTI rules and LVR requirements.

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Self-Employed

Running your own business? Jagdip understands how banks assess self-employed income and knows which lenders work best for contractors, sole traders and business owners.

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New to New Zealand

Navigating NZ mortgages as a new resident or migrant can be complex. Jagdip speaks Punjabi, Hindi and English — and knows which lenders welcome newcomers.

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Construction Loans

Building new or doing a major renovation? Construction finance has different rules. Jagdip manages the drawdown process and keeps your build on track financially.

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Why work with Jagdip

Personal advice.
Not a call centre.

When you work with Jagdip, you get one dedicated adviser from first chat to settlement day — and beyond. No hand-offs. No hold music.

Always free to you

Jagdip is paid by the lender, not by you. You get expert, independent advice at absolutely zero cost — whether Jagdip gets you approved or not.

Evenings & weekends

Busy during the day? Jagdip is available evenings and weekends — because finding your home loan shouldn't have to wait until Monday at 9am.

Speaks your language

Jagdip is fluent in English, Punjabi and Hindi. Explaining a mortgage in your first language makes everything clearer — and less stressful.

20+ lenders on panel

From the big four banks to specialist non-bank lenders — Jagdip shops across the whole market to find the deal that actually fits your situation.

How it works

From first chat to
getting your keys

1
Free chat
Book a no-obligation call. Jagdip listens to your goals and assesses your situation.
2
Strategy
Jagdip creates a personalised mortgage plan and explains your options clearly.
3
Lender search
She approaches the right lenders on your behalf and secures pre-approval.
4
Approval
Formal approval confirmed. Jagdip manages all the paperwork and lender communication.
5
Settlement & beyond
You get your keys. Jagdip stays in touch for refixing and future lending needs.
Free tools

How much can you borrow?

Get an estimate in under a minute. Jagdip will confirm the real numbers in a free chat.

Borrowing Power Calculator

NZ-specific · Banks use a test rate of ~8.5% to stress-test your mortgage

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Fill in your details on the left and hit
Calculate to see your estimate.

Real results

What clients say
about working with Jagdip

★★★★★

As first home buyers we had no idea where to start. Jagdip explained everything in plain English, found us a rate better than what our own bank offered, and helped us get our KiwiSaver sorted. We were in our home within 10 weeks.

SP
Sarah & Pete
First home buyers · Auckland
★★★★★

We'd been declined by two banks before a friend referred us to Jagdip. She found a lender who understood our business income, got us approved within a week, and secured a cashback that covered most of our legal fees.

RK
Raj & Kamaljit
Self-employed · South Auckland
★★★★★

Jagdip reviewed my mortgage when I came up for refix and found I could save over $400 a month by switching lenders. The whole process took less than two weeks. I wish I'd called her years ago.

MN
Michelle N
Refinance · Pukekohe
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Common questions

Answers to what
Kiwis ask most

Does using a mortgage adviser cost me anything?

No — Jagdip's advice is completely free to you. She is paid a commission by the lender once your loan settles. This doesn't affect the rate or terms you receive. This arrangement is fully disclosed in Jagdip's disclosure statement, as required by the Financial Markets Conduct Act.

How much deposit do I need to buy my first home in NZ?

Most NZ banks require a 20% deposit for standard loans. However, the Kāinga Ora First Home Loan allows eligible buyers to purchase with as little as 5% deposit. Your KiwiSaver balance can count toward your deposit — Jagdip will calculate exactly what you can access and which lenders accept low-deposit applications. Following the December 2025 LVR changes, up to 25% of new owner-occupier lending can be at below 20% deposit.

Can I use my KiwiSaver to buy my first home?

Yes — if you have been contributing to KiwiSaver for at least 3 years and it's your first home (or you qualify as a second-chance buyer), you can withdraw most of your KiwiSaver balance to use as a deposit, keeping a minimum of $1,000. Note the First Home Grant was discontinued in May 2024, but the KiwiSaver withdrawal still applies. Jagdip will check your exact eligibility in your first chat.

What is a debt-to-income (DTI) limit and does it affect me?

The Reserve Bank of NZ introduced DTI limits in July 2024. Owner-occupiers can generally borrow up to 6 times their gross annual income. Investors are capped at 7 times. Important exemptions exist for new builds, refinancing at the same value, bridging loans, and Kāinga Ora lending. Jagdip calculates your DTI position before approaching any lender, so there are no surprises.

Should I fix or float my mortgage right now?

With the OCR at 2.25% and banks competing aggressively on short-term fixed rates in 2026, most New Zealanders are fixing for 1 or 2 years to take advantage of falling rates while retaining flexibility. Floating rates still carry a premium. The right answer depends on your timeline, risk appetite, and cash flow — which Jagdip will walk through with you specifically.

How long does mortgage approval take in NZ?

Pre-approval typically takes 3–7 working days once your full application is submitted. Formal approval after an accepted offer usually takes 3–5 working days. Working with Jagdip speeds this up — she knows each lender's requirements and submits complete applications, reducing back-and-forth. Time-critical purchases can sometimes be turned around in 24–48 hours.

Can Jagdip help if I've been declined by a bank?

Absolutely. Bank declines are more common than people realise — and a 'no' from one bank doesn't mean no from every lender. Jagdip has access to non-bank lenders who are often more flexible around self-employed income, credit history, or complex situations. She'll give you an honest assessment and a plan to move forward.

I'm based outside Auckland — can Jagdip still help me?

Yes — Jagdip works with clients across all of New Zealand. Most of the mortgage process is done online and over the phone anyway. Whether you're in Wellington, Christchurch, Hamilton, or anywhere in between, Jagdip can help. She's based in Pokeno on the Auckland–Waikato corridor and is very familiar with the property markets in both regions.
Latest insights

NZ mortgage news &
practical guides

View all articles
First Home Buyers

First Home Buyer NZ 2026: The Complete Auckland Guide

April 2026 · 8 min read
Market Updates

Fix or Float in 2026? OCR at 2.25% — What Kiwis Should Do Now

April 2026 · 5 min read
Guides

KiwiSaver First Home Withdrawal: 2026 Step-by-Step Guide

March 2026 · 6 min read

Ready to sort your mortgage?

Book a free, no-obligation chat with Jagdip. No paperwork to start — just a conversation about your goals.

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