Arun Kumar - Loan Market Mortgage Adviser

Arun Kumar - Loan Market Mortgage Adviser Whether you're buying your first home, refinancing, building your dream home, or need a car or personal loan — I'm here to guide you every step of the way.

Access to 30+ lenders, no cost to you. Let's get your finances sorted.

Whether you are pinning a daffodil to your jacket, dropping a donation in a street collector's bucket, or remembering a ...
27/08/2026

Whether you are pinning a daffodil to your jacket, dropping a donation in a street collector's bucket, or remembering a loved one today, we join you in supporting the Cancer Society and the incredible work they do for Kiwi families.

Thank you to everyone helping make a difference across our community today.

Borrowing power is one of those numbers a lot of people think they know, but haven't actually checked recently. It shift...
27/08/2026

Borrowing power is one of those numbers a lot of people think they know, but haven't actually checked recently.

It shifts with your income, living expenses, existing debts, and interest rates. With rates sitting higher than they were a couple of years ago, your borrowing capacity might look quite different today compared to what you expected.

Getting a clear picture of your actual baseline numbers is simply step one before you start looking at properties or making big financial plans.

Feel free to send a direct message if you ever want to check where your baseline sits in today's market.

25/08/2026

Getting a home loan when you’re self-employed has a number of hoops to jump through.

The good news is that advisers who work regularly with self-employed clients know exactly which lenders understand business income and how to structure an application that actually reflects how your finances work.

It’s not impossible. You just need the right person in your corner ��

https://adviser.loanmarket.co.nz/arun-kumar/products-services/self-employed-loans/

Getting a home loan when you're self-employed has a number of hoops to jump through. The good news is that advisers who...
25/08/2026

Getting a home loan when you're self-employed has a number of hoops to jump through.

The good news is that advisers who work regularly with self-employed clients know exactly which lenders understand business income and how to structure an application that actually reflects how your finances work.

It's not impossible. You just need the right person in your corner 🙋
https://adviser.loanmarket.co.nz/arun-kumar/products-services/self-employed-loans

25/08/2026

Properties are sitting on the market longer right now — REINZ’s latest figures show it’s taking about 50 days to sell on average, up from a year ago.
That shift matters more than most buyers realise. It’s not just about price. A vendor who’s had a property listed for weeks is often more open to things buyers don’t usually ask for — a longer settlement, a lower deposit condition, or room to negotiate on chattels and price together rather than separately.
If you’re making an offer in this market, it’s worth going in knowing what’s actually negotiable, not just what the asking price is.
Making an offer soon? Let’s talk through your approach before you put pen to paper. 👇

Nothing compares to celebrating a win with our clients! We are so thankful for the trust you place in our team.No matter...
23/08/2026

Nothing compares to celebrating a win with our clients! We are so thankful for the trust you place in our team.

No matter what your financial goals are, we’re here to make the journey clear and effortless.

Reach out today to see how we can help! ⭐

22/08/2026

Thinking you need two incomes to buy a home? Not necessarily. 🏡
Buying a home on your own can feel like a big financial step, but being a solo buyer doesn’t mean home ownership is out of reach.
The key is understanding your borrowing power, deposit position, expenses and what lenders are looking for before you start house hunting.
There are also strategies that may help make your first home more achievable — from choosing the right property and location to understanding how your income and financial position are assessed.
If buying on your own is part of your plan, getting the right strategy in place early can make all the difference.
👉 Read our latest blog: A Guide for Solo Buyers to explore the key things to consider before making your move.
https://adviser.loanmarket.co.nz/arun-kumar/blog/guide-for-solo-buyers/

22/08/2026

When the property market slows down, most homeowners naturally focus on what their current home might sell for. However, if you are looking to step up to a larger property, the actual price gap between the two homes is what matters most.

Recent data from Cotality shows that the cost of moving from a three bedroom to a four bedroom house has narrowed in several key areas across New Zealand.

Because higher value homes often adjust more in dollar terms during quieter periods, the gap you need to bridge to get extra space can actually be smaller than it was a few years ago.

If upgrading your home is part of your long term plan, quieter market conditions can sometimes open up opportunities that do not exist in a fast moving market.

Read the full breakdown on our blog.

https://adviser.loanmarket.co.nz/arun-kumar//blog/the-cost-of-trading-up-falls-in-some-key-markets/

When the property market slows down, most homeowners naturally focus on what their current home might sell for. However,...
20/08/2026

When the property market slows down, most homeowners naturally focus on what their current home might sell for. However, if you are looking to step up to a larger property, the actual price gap between the two homes is what matters most.

Recent data from Cotality shows that the cost of moving from a three bedroom to a four bedroom house has narrowed in several key areas across New Zealand.

Because higher value homes often adjust more in dollar terms during quieter periods, the gap you need to bridge to get extra space can actually be smaller than it was a few years ago.

If upgrading your home is part of your long term plan, quieter market conditions can sometimes open up opportunities that do not exist in a fast moving market.

Read the full breakdown on our blog.
https://adviser.loanmarket.co.nz/arun-kumar//blog/the-cost-of-trading-up-falls-in-some-key-markets/

19/08/2026

Serviceability is simply the bank testing your home loan against a higher test rate. They aren’t just looking at whether you can afford the repayments today, they are checking that you will still be comfortably paying it off if interest rates shift down the track.

It can feel like a tough hurdle when you are applying for a home loan, but it is really just designed to protect you and make sure your mortgage remains manageable long-term.

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