Deepak Arya

I provide complete lending advice for first home buyers and those looking to upgrade their family home. From figuring out your true borrowing capacity to getting that crucial pre-approval across the line, I guide you through the entire Wellington property market so you can buy with confidence.

If you are building from scratch or buying a house-and-land package, standard lending rules don't apply. I have a strong speciality in construction finance, helping you manage progressive drawdowns at every stage of the build so you never hit a cash flow wall with your builder.

Buying a completed new build directly from a developer requires a specific approach to funding. I handle the exact financing requirements for turnkey contracts and fixed-price builds, ensuring your approval is locked in early and ready for a smooth final settlement.

Your mortgage shouldn't just sit there gathering dust. I help clients review and restructure their existing home loans, negotiate better interest rates, and set up the right mix of fixed and floating terms. If you have built up equity, we can look at unlocking it for renovations or your next investment.

I negotiate directly with New Zealand's major banks to secure competitive rates and specialised products, including:

• ANZ, BNZ, ASB, Westpac, Kiwibank, TSB, SBS, The Co-operative Bank, AIA Go Home Loans, Heartland Bank, NBS, Unity, China Construction Bank, Bank of China, and ICBC.

For complex development projects, challenging builds, and alternative funding, I have access to specialised non-bank lenders, including:

• Pepper Money, Avanti Finance, First Mortgage Trust, Basecorp, Liberty, Bluestone Home Loans, DBR Property Financiers, Cressida Capital, CFML Ltd, Finbase, ASAP Finance, and Vincent Capital.

‍