Loan Market Ravi Reddy
Mortgage Adviser at Loan Market. With nearly a decade in banking, I excel in communication and trust-building, providing tailored financial solutions.
Passionate about financial education and committed to helping clients achieve their financial goals.
01/10/2026
Let's settle this once and for all, your $6.50 daily coffee isn't why buying a home feels out of reach.
So enjoy your flat white, your matcha, your long black, whatever gets you through the morning.
We won't judge, and neither should anyone else.
Happy International Coffee Day! ☕
27/09/2026
Putting a little extra towards your mortgage does far more heavy lifting than it looks like on paper. Every dollar paid above your minimum balance directly reduces the principal, meaning the bank charges you less interest over time.
Want to know what extra repayments could actually save you? We can run the numbers.
Your repayment isn't just about the interest rate. Let's break down what also affects your numbers.
⏳ Loan Term
Longer terms lower regular repayments but raise total interest costs over time. Shorter terms do the opposite!
💰 Repayment Type
Principal and interest pays down your loan balance. Interest-only lowers short-term payments without shrinking your debt.
🔒 Fixed vs. Floating Rates
Fixed rates give you predictability, while floating rates allow maximum flexibility for offset structures or lump-sum payments.
💵 Extra Repayments and Offset
Small additional payments or keeping savings in an offset account directly reduce the balance you get charged interest on.
⚖️ Loan to Value Ratio (LVR)
If your deposit is under 20%, lenders usually charge a Low Equity Margin or fee until your equity builds up.
All these factors work together. Let’s chat about what is right for you. DM us if you want to crunch some numbers. 📊
Waiting for house prices to drop? 🏡
Here's the catch most first home buyers miss. Every time the cash rate goes up, banks lift the test rate they use to check what you can afford. Same income, same deposit, but a smaller borrowing limit.
With more rises on the cards, waiting could shrink your budget right when prices are softer.
Get pre-approved now and you're assessed at today's test rate, valid for up to 3 months, with a chance to renew for another 3. That means shopping with a stronger budget while others are still waiting.
📩 DM me or tap the link in bio to get your pre-approval sorted.
General info only, not personal advice.
21/09/2026
Refinancing isn't just about chasing a lower rate, it's about making sure your home loan still matches your current life and financial goals.
Whether market conditions have shifted or your personal priorities have changed, refinancing your mortgage can help you:
📉 Lower your repayments by adjusting your loan structure or term.
🏡 Release equity to renovate or purchase an investment property.
💸 Leverage lender incentives and cashback offers.
💳 Consolidate high-interest debt into a single loan.
Even if you end up staying right where you are, reviewing your options gives you clarity on where your money is going.
Get in touch to explore if refinancing could be an option for you.
https://adviser.loanmarket.co.nz/sanjeev-jangra/products-services/refinancing/
20/09/2026
Giving our clients total peace of mind on their homeownership journey is what it’s all about.🌟
If you're after a trusted local adviser to take the stress out of the mortgage process, reach out today. 🏡
17/09/2026
Going straight to your bank feels like an easy starting point, but it only gives you one piece of the puzzle. A single lender can only offer you their own specific products, rates and criteria.
A mortgage adviser can scope out options across the market including major banks and specialist lenders, to find the right loan to suit your long-term financial goals.
From handling the paperwork to negotiating competitive rates and managing your loan over time, advisers act as a dedicated advocate in your corner.
Ready to see how your options compare? Send a message anytime to chat through your numbers.
16/09/2026
There is a real sense of pride in sitting in an empty living room, knowing the deposit came before the furniture.
If you are currently saving hard for a deposit or building up your KiwiSaver for that first home, we would love to help you map out a plan to get to moving day sooner.
Find out how we help first home buyers turn savings into keys.
https://adviser.loanmarket.co.nz/sanjeev-jangra/products-services/first-home-buyers/
13/09/2026
Kia ora! This week we are celebrating Te Wiki o te Reo Māori.
Language thrives when it is spoken every day. Whether it is greeting a colleague, chatting with clients, or practicing new phrases with whānau, normalising te reo Māori in our daily conversations helps keep the language strong for generations to come.
Every word, phrase, and effort counts towards making te reo a natural part of everyday life across Aotearoa.
Kia kaha te reo Māori!
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Auckland
2104
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| Monday | 9am - 5pm |
| Tuesday | 9am - 5pm |
| Wednesday | 9am - 5pm |
| Thursday | 9am - 5pm |
| Friday | 9am - 5pm |
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