Jagdip Randhawa - Mortgage Broker & Financial Advisor

Jagdip Randhawa - Mortgage Broker & Financial Advisor With 10+ years in banking, I now focus on mortgage broking and financial advice. I help clients make smart, confident decisions on home loans and finances.

Trusted, experienced, and here to support your journey every step of the way. Helping you with home loans, refinancing, and smart financial advice. Here to make your journey simple, clear, and stress-free

15/07/2026

Cant wait to attend this upcoming concert @ Trust Arena on 25th July All seasonsmortgage is presenting😀

14/07/2026

Whether you’re securing your first home, upgrading, or getting personal lending sorted, having an advisor in your corner makes all the difference. I make sure the banks work for you, not the other way around

12/07/2026

Here's what nobody's telling you.
Last week the Reserve Bank lifted the cash rate for the first time in three years.
But here's the thing — if you're on a fixed rate, this hike already happened to you months ago. Two-year rates crept up from around 4.5% to 5.2% well before the announcement. The market saw it coming. The banks saw it coming.
What's more interesting: when the OCR was falling, most banks quietly held back some of those cuts from floating customers. This time? They passed the full increase on within days. Funny how that works.
If you're floating right now, you're paying a premium for flexibility you might not even be using. Six-month and one-year fixed rates are currently sitting below floating.
If your fixed term is coming up in the next 3–6 months, the term you pick matters more now than it has in years. More small rises are expected before Christmas.
Don't guess. Send me your refix date and I'll tell you what I'd be looking at in your shoes. No cost, no obligation."General advice,not personalised financial advice"

08/07/2026

Expectation: A peaceful, screen-free day at the zoo.
Reality: Answering urgent emails in the ice cream queue and managing loan structures while watching the giraffes.
​Balance doesn't exist, but integration does. My kids get a day out, my clients get their deals across the line, and I get a lot of steps in.
​Drop a 🦁 if you’re hustling and parenting at the exact same time today.
​

05/07/2026

When the bank assesses you, they don't use the rate you'll actually pay. They use a higher "test rate" to check you'd still cope if rates climbed. At the moment most are testing around 7%, even if the rate you'd really be on is closer to 5.5–6%.
So a knock-back often isn't about your income at all. It's that made-up higher number.
And here's the part that matters: every bank sets its own test rate, and they're not the same. One saying no doesn't mean the next one will.
If you've been declined, or approved for a lot less than you hoped, message me. Could just be the wrong lender for your situation.
Jagdip Randhawa · Financial Adviser · FSP1010098. General info, not financial advice

When mom offers a walk but her calendar says otherwise. Guess I'll just disintegrate into this curtain
02/07/2026

When mom offers a walk but her calendar says otherwise. Guess I'll just disintegrate into this curtain

30/06/2026

Doing Dry July? Try a Financial Detox instead😁
Everyone is talking about giving up booze for Dry July to reset their health. But if you're trying to buy a home, get a new car, or secure a loan right now, your bank accounts need a detox more than your liver does.
​When a lender looks at your bank statements, they aren't just looking at your income—they are hunting for your 'leaks.' The un-cancelled subscriptions you don't use, the constant Uber Eats orders, the 'buy now, pay later' traps.
​If you can commit to 31 days of zero alcohol, you can commit to 31 days of clean spending and get that loan approved.

26/06/2026

Meantime .am on road today meeting clients.
​One of the best parts of this job is that I don’t just sit behind a desk looking at spreadsheets.

23/06/2026

The hardest part of the process is the gap between the effort and the outcome.
​When you're saving for a deposit, tweaking your budget, or waiting on long-term investments, it’s easy to feel like you’re spinning your wheels. But consistency isn't wasted energy—it’s just delayed reward.
​What’s one area in your life where you’re practicing patience right now?
​

16/06/2026

same income,$150k diffrence?? why??... explaining few things" what advisors wont post" every piece of information matters #

Address

99 Motions Road
Auckland
1022

Telephone

+6421827004

Website

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