Gagan Sahoonja

Buying your first home is a massive milestone, but the paperwork can feel overwhelming. I walk Wellington first home buyers through the entire journey. From figuring out your actual budget and low-deposit options to getting an unconditional approval, I remove the guesswork so you can house-hunt with confidence.

If you haven't reviewed your mortgage recently, you might be paying more interest than you need to. I review your current lending setup, negotiate with the banks for better rates and cash-back incentives, and make sure your loan structure actually matches your lifestyle and financial goals.

Your home is a powerful financial asset. If you have built up equity and are looking to renovate the kitchen, buy a new vehicle, or consolidate existing high-interest debt, I can help you arrange a loan top-up, keeping your overall repayments manageable and structured correctly.

Every bank has different rules for how they view your income, expenses, and account conduct. Because I spent over 10 years assessing and approving loans from the inside, I know how to properly package and present your application. This means fewer delays, fewer questions from the lender, and a much smoother approval process for you.

I negotiate directly with New Zealand's major banks to secure competitive interest 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.

If your situation requires a bit more flexibility, I also have direct 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, Zurix, and Go Lend.

‍