Jagdip Randhawa is a licensed NZ mortgage adviser from Punjab. She understands the Indian and South Asian community's approach to property: family decisions, overseas income, joint buyers, and building long-term wealth. She speaks Hindi and Punjabi. Free advice, 20+ lenders.
Jagdip came from Punjab and built her career in NZ finance, spending years inside one of NZ's largest banks before becoming an independent adviser. She works with Indian, Punjabi, Gujarati, South Indian and broader South Asian families across Auckland, South Auckland, Hamilton and the Waikato. She understands the cultural context around property decisions in ways that most NZ advisers simply don't.
Covering every situation the community faces when buying property in NZ.
Many Indian families in NZ are first-generation homeowners. Jagdip guides you through KiwiSaver, deposit options and getting pre-approved, in Hindi or Punjabi if you prefer.
Buying with a partner, parents or siblings is common in the Indian community. Jagdip structures joint applications correctly to maximise borrowing power.
Receiving income from India or supporting family abroad? Jagdip knows which lenders accept overseas income and how to present it to get approval.
Building a property portfolio is a core financial goal for many Indian families. Jagdip advises on investment lending strategy, DTI rules and maximising equity.
Many South Asian NZ residents run their own businesses. Jagdip knows how to present self-employed income correctly across 20+ lenders.
Recently arrived in NZ? Jagdip helps new Indian migrants understand the NZ mortgage system, including work visa and residence visa situations.
In many Indian families, property decisions involve the whole family: parents contributing to deposits, siblings buying together, or multiple generations planning ahead. Jagdip understands this dynamic and structures applications accordingly. She also helps families navigating the balance between supporting relatives in India while building assets in NZ.
Some Indian buyers in NZ receive income from businesses or properties in India, or have savings held overseas. Jagdip knows which lenders accept foreign income and foreign asset evidence, and how to present these correctly to maximise borrowing capacity.
Free 30-minute chat in English, Hindi or Punjabi. Honest advice about what's possible for your situation in NZ.
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