Vipin Yadav Mortgage & Investment Adviser

15/10/2026

24/09/2026

Clear advice. Trusted guidance. Full transparency.
Your financial journey starts with informed decisions. Explore the full disclosure details on request.

24/06/2026

Confused by OCR updates?

The Official Cash Rate (OCR) plays an important role in influencing borrowing costs and can affect the interest rates offered by lenders.

📈 Higher OCR may lead to higher interest rates.

📉 Lower OCR may lead to lower interest rates.

While mortgage rates don't always move in line with OCR changes, understanding the relationship can help you make more informed financial decisions.

📞 Have questions about your home loan or borrowing options? Get in touch with our team today.

Phone: 020 415 83699
Email: [email protected]

Vipin Yadav provides financial advice through One Source Financial Ltd trading as The Home Loan Collective.

Disclaimer: This content is for informational purposes only and does not constitute financial advice. Any recommendations will be based on your individual circumstances. Lending criteria, terms and conditions apply.

22/06/2026

Whether you're planning your first home, building wealth, or looking for smarter energy and connectivity solutions, the right advice makes all the difference.

[ One source. Every solution ]
🔗 Connect with us today

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18/06/2026

Confused by mortgage terms? When exploring home loan options, it’s important to understand how different lending terms can affect your borrowing capacity and overall loan costs.

✔️ LEM (Low Equity Margin) is an additional interest rate that may apply when a borrower has less than 20% equity or deposit in a property.

✔️ Lenders may apply LEM because a lower deposit is generally considered a higher lending risk.

📞 Want to understand how much deposit you may need and what your lending options could look like? Get in touch with our team today.

Phone: 020 415 83699
Email: [email protected]

Vipin Yadav provides financial advice through One Source Financial Ltd trading as The Home Loan Collective.

Disclaimer: This content is for informational purposes only and does not constitute financial advice. Any financial review or recommendation will be based on your individual circumstances. Lending terms and conditions apply.

16/06/2026

🏡 Heard of LVR but not sure what it means?

LVR (Loan to Value Ratio) is the percentage of a property's value that you're borrowing from a lender.

Example:
✔️ Property price: $700,000
✔️ Deposit: $140,000
✔️ Loan amount: $560,000

LVR = Loan Amount ÷ Property Value × 100

$560,000 ÷ $700,000 × 100 = 80%

✅ Your LVR is 80%, which means you're borrowing 80% of the property's value and contributing a 20% deposit.

Understanding your LVR can help you assess your borrowing position and prepare for your home-buying journey.

📩 Want to find out what your LVR could be? Get in touch today.

📞 Phone: 020 415 83699
📧 Email: [email protected]
Vipin Yadav provides financial advice through One Source Financial Ltd trading as The Home Loan Collective.

Disclaimer: This content is for informational purposes only and does not constitute financial advice. Any financial review or recommendation will be based on your individual circumstances. Lending criteria, terms and conditions, and fees may apply.

11/06/2026

🏡 Could the equity in your current home help open the door to your next property?

Many homeowners are surprised to learn that the equity they’ve built up may be used towards purchasing another home or investment property.

If you’re considering your next move, understanding your equity could be a great place to start.

📞 Talk to us today to learn more about your options.

Phone: 020 415 83699
Email: [email protected]

Vipin Yadav provides financial advice through One Source Financial Ltd trading as The Home Loan Collective.

Disclaimer: This content is for informational purposes only and does not constitute financial advice. Any financial review or recommendation will be based on your individual circumstances. Lending terms and conditions apply.

07/06/2026

🏡 Pre-approval can give you confidence when house hunting but it’s important to understand what it actually means.

Understanding the conditions attached to your pre-approval can help you avoid unexpected surprises and make your home-buying journey smoother.

Ready to take the next step? Get in touch today.

Phone: 020 415 83699
Email: [email protected]

Vipin Yadav provides financial advice through One Source Financial Ltd trading as The Home Loan Collective.

Disclaimer: This content is for informational purposes only and does not constitute financial advice. Any financial review or recommendation will be based on your individual circumstances. Lending terms and conditions apply.

02/06/2026

🏠 5% deposit or 20% deposit?

Both can help you step into your own home but a 20% deposit could unlock better interest rates and more lending options.

Not sure where you stand? Let's talk through your options and find the best path to homeownership.

Phone: 020 415 83699
Email: [email protected]

Vipin Yadav provides financial advice through One Source Financial Ltd trading as The Home Loan Collective.

Disclaimer: This content is for informational purposes only and does not constitute financial advice. Any financial review or recommendation will be based on your individual circumstances. Lending terms and conditions apply.

27/05/2026

OCR UPDATE – OCR HELD AT 2.25%

The Reserve Bank of New Zealand has kept the Official Cash Rate unchanged at 2.25%.

What this means for borrowers:
✔ More stability in interest rates
✔ A positive sign for home buyers
✔ Great time to review your mortgage options

Whether you’re buying your first home, refinancing, or investing — we’re here to help you make smarter home loan decisions.

📞 Contact us today to explore the best mortgage options for you.

Phone: 020 415 83699
Email: [email protected]

Vipin Yadav provides financial advice through One Source Financial Ltd trading as The Home Loan Collective.

Disclaimer: This content is for informational purposes only and does not constitute financial advice. Any financial review or recommendation will be based on your individual circumstances. Lending terms and conditions apply.