Shalvin Chandra - Senior Mortgage Advisor

16/09/2026

"Should I fix for one year?"

"Would two years be safer?"

These are questions I hear regularly.

The truth is, there isn't one fixed term that works for everyone.

A shorter term gives you an opportunity to review your mortgage sooner, while a longer term can give you more certainty around repayments.

What makes sense depends on your plans, your cash flow and how comfortable you are with future rate changes.

The best option isn't necessarily the one everyone else is choosing.

It's the one that makes sense for you.

09/09/2026

A $5,000 cashback offer can be pretty tempting.

But before you jump at it, have you compared what you're actually paying over the life of the loan?

Sometimes a lower interest rate could save you more than the upfront cashback.

And sometimes the cashback may genuinely be the better option.

It depends on the loan amount, interest rate, fixed term and the conditions attached to the offer.

So don't just compare the biggest number on the offer.

Compare the whole deal.

02/09/2026

Whether you're upgrading, relocating, or purchasing another property, understanding your finance options early can help you move forward with confidence.

Let's discuss the right lending solution for your next step.

📞 Call/Text: 022 396 3121
📧 Email: [email protected]
🌐 https://reliablefinancialgroup.nz/

27/08/2026

Every borrower is different.

Understanding whether a fixed or floating interest rate suits your circumstances can help you make a more informed decision.

📞 Call/Text: 022 396 3121
📧 Email: [email protected]
🌐 https://reliablefinancialgroup.nz/

25/08/2026

Getting pre-approved before you begin house hunting can give you confidence and a clearer understanding of your borrowing capacity.

It's a smart first step towards home ownership.

📞 Call/Text: 022 396 3121
📧 Email: [email protected]
🌐 https://reliablefinancialgroup.nz/

20/08/2026

Interest rates and your financial goals can change over time.

A home loan review could help you understand whether your current mortgage is still the right fit.

📞 Call/Text: 022 396 3121
📧 Email: [email protected]
🌐 https://reliablefinancialgroup.nz/

18/08/2026

Whether you're buying your first investment property or growing your portfolio, choosing the right finance structure is an important step.

Let's discuss a strategy that supports your long-term goals.

📞 Call/Text: 022 396 3121
📧 Email: [email protected]
🌐 https://reliablefinancialgroup.nz/

14/08/2026

Delighted to be associated with New Zealand Fiji Football Incorporated for the upcoming BOG tournament

GROUP B 🔥🔥🔥🔥🔥🔥🔥

Coverage sponsored by: Shalvin Chandra - Senior Mortgage Advisor

LENDING | INSURANCE | KIWISAVER

13/08/2026

One of the most common questions buyers ask is how long a home loan approval takes.

The answer depends on your situation, your documents, and the lender. Being prepared can help make the process smoother.

📞 Call/Text: 022 396 3121
📧 Email: [email protected]
🌐 https://reliablefinancialgroup.nz/

11/08/2026

Thank you, Salveen Kumar, for your kind words and for trusting Shalvin with your investment property journey.

Helping clients secure the right lending solution while making the process as smooth and stress-free as possible is always the goal.

If you're looking for expert mortgage advice, Shalvin is here to help.

📞 Call/Text: 022 396 3121
📧 Email: [email protected]
🌐 https://reliablefinancialgroup.nz/