Divya Gandhi

I specialise in reviewing and restructuring existing residential home loans to optimise your interest rates, consolidate debt, and unlock usable equity for your next investment property or major renovation.

Navigating the strict criteria of commercial banks requires specialised expertise. I tailor commercial mortgage and business lending strategies for property investors, developers, and self-employed individuals with irregular income structures or challenging applications.

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I negotiate directly with New Zealand's major banks to secure competitive rates, 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 commercial applications, self-employed lending, and short-term finance, I leverage an extensive network of specialised non-bank lenders and commercial financiers, including:

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

Whether you are stepping onto the property ladder for the first time or upgrading to your next family home, I provide end-to-end residential mortgage advisory. I guide Wellington buyers through borrowing capacity assessments, low-deposit options, and loan structuring to ensure you secure an unconditional approval with confidence.

Financial jargon is complex enough without a language barrier. I am proud to offer comprehensive mortgage and commercial lending advice in English, Hindi, Gujarati, and Marathi. This ensures that clients across the Wellington region fully understand their loan structures, bank obligations, and long-term wealth-building strategies in the language they are most comfortable with.