Karan Singh The Mortgage Broker

09/09/2026

08/09/2026

Self-employed in NZ and dreaming of your first home? 🏡

Here's the truth most people won't tell you — being self-employed does NOT mean you can't get a mortgage. You just need to know exactly what banks are looking for.

Swipe through for the complete Self-Employed Home Loan Checklist 👉

✅ Document 1 — Business Financials
Last 2 years, prepared by your accountant. P&L + Balance Sheet.

✅ Document 2 — Personal Tax Returns (IR3)
Last 2 years, backed by IRD income summaries. Consistency matters more than perfection.

✅ Document 3 — Business Bank Statements
Last 6 months. Steady cash flow, no unexplained dishonours or overdrafts.

💡 Pro tip most accountants won't share: Don't minimise your taxable income too aggressively in the 12 months before you apply. Every dollar you write off is a dollar the bank can't lend against.

Your business should never stop you from owning your home. Being self-employed is your strength — not your obstacle.

📩 DM "BUSINESS" and I'll personally walk you through what you need — for FREE. No pressure, just clarity.

—
Karan Singh | Registered Mortgage Adviser NZ
📞 022 048 1013 | 📧 [email protected]

Disclaimer: Educational only. Lending criteria, income verification and affordability checks apply. Approval subject to lender assessment.

07/09/2026

04/09/2026

01/09/2026

Thinking about refinancing? Read this before you sign anything. 🏡

Right now, you could:

✅ Refinance up to 90% LVR (dollar-for-dollar refinance only)
✅ Get up to 1% CASHBACK when you switch
✅ Enjoy discounted legal fees
✅ Lock in competitive market-leading rates

Most Kiwis stay with their current bank out of habit — and pay thousands more than they need to. A proper refinance review can put real money back in your pocket, restructure your loan around your life today, and even fund that renovation you've been putting off.

Whether you want to lower your repayments, pull equity for a project, or just make sure you're on the best deal — let's have a proper chat.

⏳ This offer won't last forever — rates and cashback deals change fast.

📩 DM "REFINANCE" and I'll personally review your situation for FREE — no pressure, just clarity.

—
Karan Singh | Registered Mortgage Adviser NZ
📞 022 048 1013 | 📧 [email protected]

*Cashback and offers subject to eligibility, lending criteria, terms and conditions. General information only. Approval not guaranteed..

31/08/2026

Fix it, float it, or split it? 🤔

The RBNZ just raised the OCR to 2.50% — the first hike in this cycle. And now every Kiwi with a mortgage is asking the same question: what do I do with my home loan?

Here's the honest breakdown:

🔒 FIXED — Lock it in
Predictable monthly payments. Protection if rates keep rising. Peace of mind for 1 to 5 years.
👉 Best for stability seekers.

🌊 FLOATING — Stay flexible
Repay lump sums with no penalty. Benefit instantly if rates drop. No break fees to worry about.
👉 Best for flexibility lovers.

💡 SMART MOVE — Split your loan
Part fixed, part floating. Get the best of both worlds — stability plus flexibility. This is how most smart borrowers structure their loans in a rising-rate market.

There's no "one right answer" — the best structure depends on your income, your goals, and how long you plan to stay in the home.

📩 DM "STRATEGY" for a free 15-min chat. I'll help you figure out the smartest structure for YOUR situation — no pressure, just clarity.

—
Karan Singh | Registered Mortgage Adviser NZ
📞 022 048 1013 | 📧 [email protected]

Disclaimer: General information only. Lending criteria, fees, break costs and approval requirements apply.

26/08/2026

Your first home is closer than you think. 🏡

Most Kiwis spend years saving for a 20% deposit — not realising they qualify for the Kāinga Ora First Home Loan with just 5% down.

Same standard bank rates. Government-backed. Real homes. Real Kiwi families moving in every week.

If you're earning under $95K single or $150K joint — let's check if this is you.

📩 DM "FIRST HOME" — free chat, zero pressure.

25/08/2026

Is your mortgage still working for you? 🏡

Most Kiwis set up their home loan once and never look at it again. That's how you end up paying thousands more than you need to.

Here are 3 clear signs it's time to refinance:

1️⃣ Your fixed term is ending soon
The 60 days before your term ends is your golden window. Auto-rolling onto your bank's default rate is rarely the best deal.

2️⃣ You're paying above market rates
Even a 1% gap can cost you tens of thousands over the life of your loan. When did you last compare?

3️⃣ Your life has changed since your last loan
New baby, higher income, renovation plans, or debts to consolidate — your loan should match your life today, not 3 years ago.

Small changes today = thousands saved tomorrow. 💰

📩 DM "REFINANCE" for a free 15-min review. I'll show you exactly where you stand — no pressure, just clarity.

—
Karan Singh | Registered Mortgage Adviser NZ
📞 022 048 1013 | 📧 [email protected]

Disclaimer: General information only. Lending criteria, fees, break costs and approval requirements apply.

23/08/2026