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Shalvin Chandra - Senior Mortgage Advisor

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Shalvin Chandra - Senior Mortgage Advisor

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With 20+ years in banking, I specialised in residential & business loans.

Now as a mortgage broker, I work for you — finding the right loan, simplifying the process, and helping you achieve your property and business goals with confidence.

28/10/2026

Your mortgage was arranged based on your circumstances at the time.
But things change.

Your income may be different. Your loan balance may have reduced. Your plans may have changed. Or there may simply be different options available now.

That's why it's worth reviewing your mortgage from time to time rather than assuming your current setup is still the best fit.

A mortgage review can help you understand where you stand and whether there are any changes worth considering.

21/10/2026

Got a pay rise? Started a new job? Become self-employed? Or changed the way you earn?

Changes to your income can affect your borrowing position, but they don't necessarily mean your mortgage plans need to stop.

Your income, expenses, existing debts and overall financial position all play a part in how lenders assess your application.

If your circumstances have changed, it could be worth reviewing your options before making your next move.

18/10/2026

🙏 A BIG VINAKA VAKALEVU TO OUR PROUD CO-SPONSOR! 🤝⚽

On behalf of NZ Navua, we would like to extend our heartfelt appreciation to Mr Shalvin Chandra and Reliable Finance Group for their generous sponsorship and support towards our participation in the upcoming NFFZI IDC 2026! 🏆💙💛

Your support means a lot to our team, and we are truly grateful to have you on board as we prepare for this prestigious tournament. Your contribution plays an important role in helping our players represent NZ Navua with pride, passion, and determination. 🙌

🏡 Looking to buy your first home, refinance your existing mortgage, or protect what matters most?

Get in touch with Reliable Finance Group for professional mortgage broking assistance with:

✅ 🏠 Home Loans – Helping you navigate your home-buying journey.
✅ 💰 Mortgage Solutions – Guidance on finding a mortgage option suited to your needs.
✅ 🛡️ Insurance – Explore insurance options to help protect your home, family, and future.

Whether you’re a first-home buyer or looking to review your current mortgage, Mr Shalvin and the team at Reliable Finance Group are ready to help guide you through the process.

📣 Support those who support our community! Let’s show our appreciation by supporting Reliable Finance Group for your home loan, mortgage, and insurance needs.

From everyone at NZ Navua, thank you, Mr Shalvin and Reliable Finance Group, for believing in our team and being part of our journey to NFFZI IDC 2026! 💙💛

VINAKA VAKALEVU! 🤝⚽🏆

14/10/2026

Seeing a lower mortgage rate can make refinancing look like an easy decision.

But switching lenders isn't always as simple as comparing two interest rates.

You also need to consider cashback offers, break costs, fees, loan structure and how long you plan to stay with the new lender.

A lower rate doesn't automatically mean you'll save money overall.

Before making a move, it's worth looking at the complete picture and working out whether refinancing actually makes sense for you.

07/10/2026

A bank saying no doesn't necessarily mean your home loan options have run out.

Second-tier lenders can sometimes consider applications that don't fit the lending criteria of traditional banks.

This could be relevant if you're self-employed, have a more complex income situation, a less straightforward credit history, or don't quite fit standard bank criteria.

The important thing is understanding the rates, costs and conditions before making a decision.

A second-tier lender isn't automatically the right option, but it can be worth exploring when traditional lending doesn't work.

If you've been turned down by a bank, let's have a conversation about what other options may be available.

30/09/2026

You see a lower mortgage rate online.

First thought:

"Why am I paying more?"

Fair question.

But before changing lenders, look beyond the headline rate.

The rate available to you can depend on your lending position, loan amount, fixed term and other factors.

There may also be cashback offers, fees, loan structure and other conditions to consider.

So when comparing mortgages, don't just compare the percentage.

Compare the whole deal.

Because the lowest rate on Google isn't automatically the cheapest mortgage for you.

27/09/2026

CONGRATULATIONS FROM RELIABLE FINANCIAL GROUP

As proud sponsors, Reliable Financial Group would like to extend our warmest congratulations to NZ Lautoka 40’s on winning the Local Veterans Championship! 🏆👏

A fantastic achievement and a well-deserved result. Congratulations to the players, management, and everyone who supported the team throughout the tournament.

We would also like to congratulate NZ Nasinu 45 on finishing as Runners-Up. 🥈👏 A great effort from the team, and you should all be proud of your performance.

It was wonderful to see both teams representing their communities with passion, commitment and sportsmanship.

Congratulations to both teams, and well done! 👏⚽🏆

Reliable Financial Group
Proud to support our community and local veterans football. 🇫🇯🇳🇿

23/09/2026

You have some extra money sitting in your account.

Do you put it straight into the mortgage?

Or keep it available?

Paying extra off your mortgage can reduce the interest you pay and help you become debt-free sooner.

But having accessible savings also gives you a buffer when unexpected expenses come up.

There isn't always a simple "pay down the mortgage" answer.

Your emergency savings, upcoming plans, mortgage structure and overall financial position all matter.

Sometimes keeping some cash available can be just as important as reducing the balance.

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.

Address

Level 1/14 Ormiston Road
Auckland
2019

Telephone

+64223963121

Website

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