Vipin Yadav Mortgage & Investment Adviser

Vipin Yadav Mortgage & Investment Adviser Helping with home loans, refixes and investment property finance🏡 — plus investment guidance explained clearly and practically 📈

🏡 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 ...
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.

🏡 Could the equity in your current home help open the door to your next property?Many homeowners are surprised to learn ...
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.

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

OCR UPDATE – OCR HELD AT 2.25%The Reserve Bank of New Zealand has kept the Official Cash Rate unchanged at 2.25%.What th...
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.

Starting the week with another successful pre-approval and another client one step closer to their property goals!🏡✨Ther...
25/05/2026

Starting the week with another successful pre-approval and another client one step closer to their property goals!🏡✨

There’s nothing better than receiving the message that all the hard work has paid off. From reviewing finances to finding the right lending solution, every step matters and we’re proud to help make the process smooth and stress-free for our clients.

📩 Get in touch to start your pre-approval journey 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.

Being self-employed doesn’t always mean your home ownership goals are out of reach. 🏡✨Many people assume that Kāinga Ora...
14/05/2026

Being self-employed doesn’t always mean your home ownership goals are out of reach. 🏡✨

Many people assume that Kāinga Ora support is only for salaried employees but depending on eligibility and lender requirements, self-employed applicants may also have pathways worth exploring.

Every application is different and outcomes can vary based on individual circumstances and lender assessment. That’s why getting the right guidance early can help you better understand your available options.

📞 Connect with us and explore the options available to 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.

Today we celebrate the incredible mums who fill every home with love, strength & care. 💐 Happy Mother’s Day!🌸
09/05/2026

Today we celebrate the incredible mums who fill every home with love, strength & care. 💐 Happy Mother’s Day!🌸

Choosing between a fixed and floating interest rate is more than just comparing numbers—it’s about aligning your home lo...
07/05/2026

Choosing between a fixed and floating interest rate is more than just comparing numbers—it’s about aligning your home loan with your financial goals, lifestyle,and risk comfort.

A fixed rate offers stability and predictable repayments, giving you peace of mind when planning ahead. On the other hand, a floating rate provides flexibility and the potential to benefit from market changes but it can also come with uncertainty.

Understanding the pros and cons of each option can help you make a smarter, more confident decision for your future.

📩 Get in touch with us today for personalised guidance and find the right home loan solution 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.

Think having debt means you can’t get a home loan? That’s a common misconception.In reality, lenders don’t make decision...
01/05/2026

Think having debt means you can’t get a home loan? That’s a common misconception.

In reality, lenders don’t make decisions based on debt alone. They look at your overall financial profile — including your income stability, repayment history, existing commitments and how well you manage your finances.

Having debt isn’t a problem. What matters more is whether you’re handling it responsibly and can comfortably afford future repayments.

Every situation is different and the right guidance can help you understand where you stand and what steps to take next.

📩Get in touch today to explore 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.

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