Arti Sangwan - Mortgage Adviser - Maruti Mortgage Services

31/10/2026

19/10/2026

There is nothing better than getting the keys to your first home 🏡🔑

A huge congratulations to my client on buying his very first home and thank you so much for the kind words! From the first chat to mortgage approval and settlement day, it was a pleasure walking alongside you.

Buying your first home can feel overwhelming, but you don't have to work it out on your own. I compare lenders, find the right fit for your situation and guide you through every step.

Thinking about your first home? Let's have a chat.
📞 021 074 3635
✉️ [email protected]

Arti Sangwan | Maruti Mortgage Services

14/10/2026

5 Steps to Home Ownership!!

Every home ownership journey starts with a dream and a plan. ✨

From setting your goal to finding your dream home, I’m here to guide you through the mortgage journey, one step at a time. 🤝

Thinking about buying a home?

Let’s have a chat. 💛

0210743635
[email protected]

12/10/2026

Case Study – First Home Buyers (Age 22)

At just 22, my clients purchased their first home using their KiwiSaver as the deposit (only 5% required) and the Kāinga Ora First Home Loan scheme.

Deposit
• KiwiSaver: $13,000 + $14,000 (Combined)
• Savings: $3,000 (they chose to use this to keep the mortgage under $500,000)

Purchase Details
• House purchase price: $530,000
• Mortgage: $500,000 – Kāinga Ora First Home Loan

Income & Servicing
• Combined salaries: $59,000 + $52,000
• Planned boarder to support affordability

Kāinga Ora Benefits
• Access to special interest rates
• Received $5,000 cashback
• Paid only 1.2% LMI

Outcome

From the beginning, my clients were clear, they wanted a home that fit comfortably within their budget so they could enjoy life while still managing their mortgage with ease. With a 5% deposit, strong servicing, and excellent lending terms, they secured their first home without overstretching themselves.

Their journey shows that with KiwiSaver, good planning, and the right support, getting into your first home is definitely achievable.

If you’re thinking about buying your first home but aren’t sure where to start, connect with me for a quick chat.

M: 021 074 3635
E: [email protected]

05/10/2026

Celebrating My Year as a Mortgage Adviser 🎉

Today, I am taking a moment to reflect on an incredibly special milestone one year as a Mortgage Adviser, after being a lender for more than a decade.

When I started this journey a year ago, I had hopes and goals, but I never imagined how rewarding this first year would be. Looking back, I am truly grateful for what has been a rewarding and successful year, far exceeding my expectations.

Over the past 12 months, I have had the privilege of helping first-home buyers achieve the dream of home ownership, supporting investors in growing their property portfolios, and assisting business owners with finance solutions to help their businesses thrive.

One of the most rewarding aspects of being a Mortgage Adviser is that I have access to a wide range of lending options. Not every client fits the criteria of the main banks, and being able to explore alternative solutions and help clients achieve outcomes they thought might not be possible is incredibly satisfying.

What warms my heart the most is the feedback I receive from my clients. The glowing reviews, kind words, and appreciation remind me why I chose this profession. Knowing I have made a positive difference during such important milestones in people's lives is truly fulfilling.

A heartfelt thank you to my clients, referral partners, lenders, mentors, BDMs, friends and family for being part of this journey and supporting me along the way.

I am proud of what I have achieved in my first year, grateful for everything I have learned, and excited for what lies ahead.
One year down, and the best is yet to come.

Thank you for being part of my journey. ❤️

30/09/2026

Equipment Finance for Your Business!
Need new equipment, machinery or vehicles to keep your business moving?

Equipment finance can help you fund business assets without using all your available cash up front.

Finance may be available for:
• Business vehicles and vans
• Machinery and construction equipment
• Manufacturing equipment
• Café, restaurant and commercial equipment
• Office and technology equipment

Whether you’re upgrading existing equipment or investing in new assets, I can help you explore your finance options.

Let’s discuss what may work for your business.
Arti Sangwan
Mortgage Adviser
021 074 3635

25/09/2026

🌷 Could this spring be the start of your first-home journey?
If you’ve been thinking about buying, this could be a good time to find out what’s possible.

Cotality’s latest housing report says the number of homes listed for sale is giving buyers plenty of choice.

You don’t need to have everything figured out before you start looking.

I can help you understand how much you may be able to borrow, what your repayments could look like and which mortgage options suit your plans.

Wondering whether you’re closer to buying than you think?

Call me today for a free, no obligation chat and get clarity.
Mobile: 0210743635
Email: [email protected]

Source: Cotality NZ Monthly Housing Chart Pack, September 2026.

21/09/2026

What is LVR and why does it matter?
LVR (Loan-to-Value Ratio) compares the amount you borrow with the value of the property.

For example, if your home is worth $650,000 and you borrow $520,000, your LVR is 80%.

Your LVR can influence the lenders and loan options available such as loan type, interest rates, cash contributions and lending conditions.
• For eligible First Home Buyers, the Kāinga Ora First Home Loan allow a deposit of as little as 5%, subject to eligibility and lending criteria.
• If you are Refinancing or Investing, understanding your LVR can help you understand your options.

You don’t have to figure this out on your own, contact me for a free no obligation chat and get clarity.

Arti Sangwan
0210743635
[email protected]

14/09/2026

First Home Buyers... Start with these 4 things.
Before you start scrolling through Trade Me or going to open homes, get these sorted:

1. Your deposit
Know how much you have available, including whether you may be able to use KiwiSaver. Eligible KiwiSaver members can generally withdraw their savings after 3 years, with $1,000 remaining in the account.

2. Your borrowing power
Understand how much you may be able to borrow based on your income, expenses, debts and overall financial position.

3. Your real budget
Don’t just look at the purchase price. Consider mortgage repayments, rates, insurance, maintenance and your everyday costs.

4. Your pre-approval
Getting pre-approval can give you a clearer price range and put you in a stronger position when you find the right home. Just remember, it’s conditional and not the same as full approval.

You don’t need to have everything figured out on your own. Let’s have a chat and work on your options, contact me today.

Mobile: 0210743635
Email: [email protected]