Financing a House and Land Package
BUILD YOUR DREAM HOME
Understanding the Financial Aspects of House and Land Packages
Embarking on the journey of building your own home is a dream for many, but it involves significant effort. From locating suitable land to overseeing the construction process, it can be a daunting task, compounded by the unpredictability of unforeseen challenges and potential budget overruns.
However, when faced with challenges, opportunities arise, and this is where house and land packages come into play. Including benefits such as reduced maintenance costs and the assurance of no major repair bills in the near future, these packages simplify the process of investing in a new build, making it straightforward, secure, and efficient. Moreover, developers often provide options for standard or custom-built homes, allowing buyers to have a say in their property’s design and location.
In the end, opting for a house and land package ensures that you receive a home tailored to your lifestyle, ready for move-in upon completion. Moreover, financing such packages differs slightly from traditional mortgages, making it particularly appealing for first-home buyers.
Here’s what you need to know about financing a house and land package:
Reduced Deposit Requirements
In New Zealand, while most first-home buyers typically require a 20% deposit, house and land package new builds enjoy exemptions from Reserve Bank’s LVR restrictions, allowing buyers to secure a brand-new home with a lower deposit requirement of 10%.
Construction Loan Borrowing
Financing a home construction project involves two main steps: purchasing the land and building the house. While land purchase follows a standard real estate transaction requiring a regular home loan, construction financing involves a specific construction loan tailored for funding new home builds. House and land packages streamline these loans into one, with payments disbursed progressively throughout the construction process, minimizing interest payments until completion.
Building Contracts and Payment Management
Your building contract should align with your loan agreement, outlining all land and construction costs for your lender’s clarity. Payments are usually scheduled based on various construction milestones, with lenders agreeing to advance payments to ensure continuous progress. Delays in payment could result in work stoppages or penalties, highlighting the importance of timely payment management.
Leveraging KiwiSaver Benefits
First-home buyers may leverage their KiwiSaver accounts to contribute towards house and land package payments. Additionally, eligibility for a KiwiSaver HomeStart grant could provide further financial assistance, subject to property value and income criteria.
Preparedness for Delays
Despite meticulous planning, unforeseen delays due to weather, regulatory requirements, or material shortages can occur. Maintaining a financial buffer within your budget can help mitigate the impact of such delays.
Final Payment and Completion
Upon practical completion of your home, the final payment is typically required. This marks the culmination of months of hard work by your building team, signaling the transition from construction to occupancy.
In conclusion, house and land packages offer a straightforward and stress-free path to owning a modern home, suitable for both first-home buyers and property investors. For seamless financing, partnering with a knowledgeable mortgage broker experienced in construction loans is crucial.
Considering a house and land package? Contact us at Swift Mortgages for an expert guidance.
Disclaimer: These guidelines are general and may not reflect specific bank or lending policies. Always consult with a qualified financial advisor for personalized advice.
Hear what our clients have to say!
We approached Ranjana of Swift Mortgages after our Mortgager Broker had failed to get our needed approval for property development. One meeting was all that was needed. She obtained an absolutely perfect finance package that has enabled to us to embark on our dream project.Very clear in her dealings, highly professional and flexible work hours for busy / working people. Knows her job! Would recommend anyone without hesitation. A+++ service.
We were assisted by RanjanaWhat an awesome person you are, great service provider in timly manner. We had complicated situation however she has made it easy for us. We found her to be very efficient, knowledgeable, professional and she kept us updated with every step, responding to our questions in timely manner. We are very appreciative with all you have done for us and thanks for your guidance, knowledge and perseverance, and all you have done for us🙏 We called in the last minute to cancel our 1st appointment thinking we won't be able to get through but you insisted for us to still just come over for a chat ... and I am glad that did asked us to come over eventhough we would be late for aptmt and that too was on Friday afternoon.... thank you Ranjana 😊
We would like to send heartfelt thank you to Meysum of swift mortgages. Meysum was very supportive & He also guide us all through our home loan He makes us easy to buy our new home I'll recommend him to my family & friends. I also want to thank you to swift mortgages family for the lemon 🍋 tree they planted at my new home
5 years ago I was referred to Izaz Hussein from Swift Mortgages from a close friend and trusted friend who bought her first home with her husband through the advice of Swift. At the time my sister and I were wanting advice on buying a home and Izaz provided honest feedback and gave us tips on how we can save and set goals to get onto the property market. 5 years later after taking Izaz advice we are now home owners! Thank you Izaz and team for making this a smooth and swift home buying journey! I highly recommend anyone who is wanting to own your first home to get in touch with Izaz and his team they will get the job done and make your home buying dreams come true! Thank you Swift Mortgages! 🙏🏽
We had the pleasure of working with Ranjana during a very stressful time when we had received some bad advice and needed to settle on our purchase. Ranjana can only be described as Super Woman....came into our lives gave us exceptional advice and had everything sorted for us in order to be able to purchase our new home. Our stress levels were immediately reduced and we could not have been more happy! Thanks so much Ranjana our 'Super Woman' 🧡
Dearest Joyce,We cannot thank you enough for the incredible support and love you have shown us throughout this journey. After a challenging financial year filled with numerous responsibilities, we never imagined that we would be able to purchase a home this year. But you made it possible! Your unwavering dedication and commitment have been instrumental in helping us reach this significant milestone. We are overwhelmed with gratitude and emotion, feeling a deep sense of pride in this achievement. It is such a special and indescribable feeling to have our names on the title of a property, especially one so far from our motherland, Fiji.Your presence in our lives has truly been like that of an angel, guiding us with wisdom and protecting us at every step. We have always admired your professionalism and work ethic. Your organizational skills, meticulous attention to detail, and relentless hard work have been inspiring. You approached every challenge with grace and determination, and it has been a privilege to witness such dedication firsthand. We feel incredibly fortunate to have crossed paths with you, and we are so grateful for everything you have done to help us make this dream a reality.We are eagerly looking forward to seeing you tomorrow to celebrate this accomplishment together. Once again, thank you from the bottom of our hearts.With heartfelt gratitude and best wishes,Shristi and Prashneel.
I am pleased with the service I received from Ranjana. Her interpersonal skills made the entire process seamless. She was professional, approachable, and attentive to my needs, creating a comfortable environment for our interactions.She is knowledgeable about the home loan process, providing detailed information and answering all my queries with clarity. She ensured I fully understood all aspects of the home loan, demonstrating their commitment to client education.I recommend Ranjana-Swift Mortgages to anyone seeking expert assistance with home loans.John & Jennifer
I Was referred to Joyce Ram few months ago by a friend. Firstly, I want to thank my friend for introducing me to such an informed Mortgage advisor. I own several homes but couldn’t get the security released on the family home even though I had so much equity. I tried several mortgage brokers including the Banks own lending managers. Regretfully none were successful.I explained my situation to Joyce who assured me by saying “I don’t see any issues here”. I supplied all the information Joyce requested. Within 2 weeks she had my security released. In addition to this Joyce got an extra mortgage approved for me. I have now sold my house and purchased another property.Joyce by far is the most professional, intelligent and knowledgeable Mortgage advisor I have come across. Her knowledge in the banking sector is simply unmatched. Following is some of the attributes I absolutely adore about herPromptly answered all my emails and phone callsAlways available to answer to all my inquiriesReturned my messages instantlyRegularly followed up with everything that was requiredI can’t speak highly enough of her services. The entire experience from the moment I contacted her was simply exceptional!I would highly endorse Joyce for her excellent service and expertise. Hence, she thoroughly earned my trust and loyalty.
Amazing, sound knowledge, Great service & timely response. Highly recommended Amol & Team for your mortgage, refinance & debt consolidation. Thanks 😊
My husband and I are extremely grateful to Shahvir for helping us with our insurances. We had initially signed up with Chhub but after discussing with Shahvir we were not covered correctly and Shahvir being a star helped us with sorting out our policy and making sure we have cover that best suits our needs. Shahvir is such a pleasure to work with and he continues to support us through this process as we have had to make a claim following my husband's recent injury. He has gone out of his way to help us sort our claim especially since my schedule is busy with work and he has been able to work in his own time to sort it out.I just wanted to express my gratitude to Shahvir and would like recommend anyone needing an insurance advisor to please reach out to Shahvir. He is amazing and professional and makes sure the job is done right. Thank you again Shahvir for helping us and continuing to support us as our advisor.
We were referred to SWIFT Mortgages through a friend. We were looked after by Izaz Aka Mr Swift. He treated us with respect. My sister who is 76, she bought a property with her daughter in law. Izaz gave us an assurance that he will get as an approval. Within a week he got us an approval Within our budget. We never thought we will be home owners due to our age. But he believed in his work and most importantly he believed in us. We were treated like family and whole process was so easy and smooth. We proud home owners now and part of Swift Family. Can't wait for Swift Lemon Tree.Best serviceBest peopleVery ReliableHighly Recommend
Ranjana Singh from Swift Mortages can only be described as an angel in disguise. My husband and I were so nervous when we first visited Swift as we had been told so many times before by other mortgage brokers that we would not be able to get a mortgage but when we spoke to Ranjana she was so clear and so confident and told us to leave everything to her and so we did. Ranjana's service and professionalism goes above and beyond. She made us feel so comfortable and helped us through every step with so much of energy and love. I would highly recommend Swift Mortages and if you are lucky enough to get Ranjana as your broker then guaranteed you would be with the best in the business. Thank you Ranjana for all your hard work, we wouldn't be in our own home if not for you. May you be blessed and grow from strength to strength.Jessie and Neeroth Singh
I have personally known Izaz for many years through community football, he is a great guy and a good friend! This lead us to use SWIFT mortgages for our recent home loan refinancing. We were in the process of migration and Izaz and the SWIFT team were able to assist in every step of the way to sort out our home loans before we left the country. The SWIFT team are very prompt and informative in their responses and Izaz himself is always a pleasure to deal with. We have now been successful in our loan refinancing, along with updating our insurance. I definitely recommend using them, with the current market, their knowledge and advice is definitely worth investing your time into!Thank you to Izaz and the team.
Izaz Hussain of Swift Mortgages has been extraordinarily amazing for helping us out with restructuring & re-financing our home loan with unbelievably competitive lending rates in the market. He made the whole process so clear and very smooth from the beginning of our engagement till very successful end. Thank you! For all the help and support Izaz @ Swift Mortgages
My finances have become tighter recently and mortgages rates hiked up! This meant I needed to re-fix my loans and I was worried I would have HUGE payments to make.However Izaz from SWIFT Mortgages saved the day (and my bank accounts!)I chose to work with SWIFT Mortgages rather than directly going to the bank because SWIFT are connected to many lenders which meant they could find me the best deal across the banks.Izaz truly values people and the community and donates to organizations generously. I saw his care for others at a recent charity event and instantly knew I wanted to work with him because of his good character.From the moment we shook hands to signing the papers, the service has been nothing short of amazing.Not only can I now easily maintain my loan payments (through a restructure), but I am also now able to purchase another property thanks to Izaz's great solutions and his ability to leverage his relationships with banks and his smart thinking.I highly recommend any of my family/ friends and community to work with Izaz and the team at SWIFT Mortgages whether they want to purchase a 1st home, investment property, re-structure loans or even get insurance advice.These are people you can trust to serve you and help you achieve your dreams.Thank you so much Izaz and the SWIFT Mortgages team,#champions
Based on my situation and experience with multiple mortgage service provider, I am very confident to say Swift Mortgages is the best.Me and my partner are so glad that we got to attend the seminar at Swift Mortgage and had the opportunity to meet lawyers, finance advisors and discuss our situation.I didn’t had the best credit score and went to see Izaz with very little hope and 1 rejected home loan application from bank. Despite this, he managed to get us approval from bank whereas i was told by previous mortgage advisor that i have to wait for another 3-4 years.@Izaz - I do not have any words to describe how happy we are. Thank you so much for what you have done for us.May God Bless you Izaz . Leaving this review here so hoping someone like me can connect with you and give you the Blessings.
When our loan application faced challenges due to various issues😜, Ranjana Singh stepped in as our beacon of hope. Introduced by a bank manager, she worked tirelessly to turn things around. Here’s why we’re immensely grateful:Despite our previous loan application rejection from bank , Ranjana worked swiftly and efficiently.Her dedication made the seemingly impossible possible.Ranjana’s expertise and hard work made the property purchase process easy.She navigated complexities, ensuring we could buy our investment property.We can’t adequately express our thanks to Ranjana.Her commitment changed our lives, and we’re forever grateful.In summary, Ranjana Singh’s unwavering efforts and exceptional service deserve applause. 🏠🌟🙏🙏😊👍
Quick and easy process, service was excellent and would recommend this company if you need a first time home loan. Izaz Hussein was our broker back then when we were looking for our first home buy. With his service made it easier for us to get through the whole process, years gone by now and we are still with him and Swift Mortgages.
Life insurance service by Shahvir from Swift Mortgages, he was so supportive and helpful in choosing the right insurance policy. Discussed everything in detail and done the application online. It was quick and easy. Thank you Shahvir
Ranjana Singh does a very good job to look after her customers. She is also very good at doing her job and wastes no time. Thank you for your help, such a life saver.
Izaz has done a fantastic job with helping me buy my new home making sure I understand everything that's needed. I will highly recommend to my friends and families. My home loan was done very swiftly with SWIFT Mortgages
It was great dealing with Swift Mortgages had no problem in getting my loan approved to build my 4 houses i would highly recommend Swift Mortgages to anyone looking to purchase a new home or build one
I just want to take a moment to thank Joyce for all her help and guidance throughout the home buying process.Your expertise and support made a huge difference, and I'm so grateful!Thank you so much for your hard work and dedication,.You helped make our dream of owning a home a reality, and we can't thank you enough!"I want to express my heartfelt thanks for your assistance in securing our mortgage. Your professionalism and knowledge were impressive, and we appreciate everything you did for us ❤️With lots of thanks @Rjsh Goundar and @Shital Goundar
My partner and I were introduced to Meysum and Swift Mortgages through a friend. As first home buyers, it can be incredibly difficult to navigate all the nuisances of the mortgage process.Meysum was incredibly calm, easy to work with and gave us a bunch of great advice. He was there throughout the entire process and very quick to respond to our queries. I highly recommend giving them a try if you're in the market to buy your first or next property. Thank you guys very much!
When my husband Deepak and I began our journey to purchase our first home, we had no idea where to start. Thankfully, we found Izaz from Swift Mortgages, and our experience could not have been better. From our very first meeting, Izaz treated us with the utmost respect and made us feel like VIPs. His expertise and dedication were evident, and within just three weeks, we had our loan approved and were settling into our brand-new home. We have been loyal customers of our main bank since we arrived in the country, yet it was another bank that granted us the loan. Without Izaz's exceptional guidance and relentless effort, we would have been left disappointed by our own bank's rejection. If you are a first-time home buyer or looking to purchase another property, do not hesitate to contact Swift Mortgages and ask for Izaz. His professionalism, commitment, and personalized service are unmatched. Thank you, Izaz, for making our dream of owning a home a reality!Warm regards,Deepak & Swastika
We recently worked with Izaz from Swift Mortgage Brokers to secure a mortgage for our new home, and we couldn't be more pleased with the experience. From start to finish, Izaz demonstrated exceptional professionalism, knowledge, and dedication.Throughout the process, Izaz was always available to answer our questions, provide detailed explanations, and offer sound advice. Their expertise in the mortgage market was evident, and they worked tirelessly to ensure we got the best possible rate and terms.What impressed us most was Izaz's ability to make the complex mortgage process felt straightforward and stress-free. Their communication was clear and timely, and they consistently went above and beyond to meet our needs.We highly recommend Izaz to anyone in need of a mortgage broker. Their commitment to client satisfaction and a deep understanding of the industry make them an outstanding choice.Thank you, Izaz, for making our home-buying experience so positive!Mandus & Ginny
We cannot thank Ranjana enough for the wonderful service we received from her.Based it Christchurch we thought is would be hard to communicate with a broker in Auckland but Ranjana made everything so easy.She has prompt with her communication to us and the bank and kept us informed every step of the way. She provided us an awesome solutions and her service was excellent. We would like to highly recommend Ranjana.Thanks Pritishna/Sarend😊
We met Joyce through our journey of our first home purchase . She was way more than just a mortgage broker. She went miles for us. She helped us with everything. She organised our finance so fast and the lawyer, building inspection. She worked and took care of us as if it her house. We used to call her odd hours but she always answered and explained us. We met her as a mortgage broker but now she has become our closest friend. She is the sweetest and the most helpful soul we’ve met. The best mortgage broker in Auckland
This was my first home purchase and I was truly blessed to have Ranjana Singh as my broker, to put it simply, she is the gift that keeps on giving.For starters she made the entire process so smooth and comprehensive that even a reclusive laymen like myself felt at home and able to comprehend any nuances that I might have otherwise missed.I was offered a plethora of loan options that fit my needs and budget, and patiently guided through the pros and cons of each one.She was always available if I had an inquiry or needed reassurance. And I would be remiss if I didn’t add that the warm and inviting environment she has created for her clients was a major bonus!Overall my experince was 5 star and I couldn’t recommend her and her team more to anyone looking to purchase a home.Best regards, from a very satisfied customer.
Thank you to Meysum at Swift for his great work in our recent re-mortage. He worked with us to understand what we needed and then delivered a better result! Will be definitely reengaging him again!
We recently had the pleasure of dealing with Meysum and the team at Swift Mortgages. Nothing was a problem and the communication was excellent throughout the entire process. I didnt make it easy for them as I knew what I wanted but Meysum and the team delivered 100% of what we wanted. I would absolutely recommend Swift Mortgages to anyone looking to purchase or refinance. Thanks team.
Ranjana is a very professional mortgage adviser she has done an awesome job helping us out with our first home we highly recommend her to anyone always there when you need help appreciated her work Thank you Ranjana
"I have dealt with Joyce Ram, and the experience was exceptional. Moreover, she understands your problems and takes steps to help you. Joyce is not only a good guide and a great professional but also has a more humanistic approach to issues. She is more focused on your gain than hers. She is the main reason why we have a home now, and we thank her from the bottom of our hearts."
I had the pleasure of working with Joyce as my Mortgage advisor from Swift Mortgages for my first home. I recently came here to NZ and initially, I didn't have any idea about the process. However, Joyce spent more than an hour to explain me about the entire process and clarified all my doubts. They took the time to understand my financial goals and preferences, crafting a customised mortgage solution that exceeded my expectations.Communication with Joyce was outstanding. She was always accessible, responsive, and proactive in keeping me informed every step of the way. From sourcing the best rates to guiding me through paperwork, their attention to detail and dedication to client satisfaction were evident at every turn. I highly recommend Swift Mortgages to anyone in search of top-notch mortgage assistance. Thanks, Joyce for being the best part to fulfilIing my dream.
Recently had an awesome experience working with Swift. The whole process of getting the loan approval went so smoothly and promptly. We were referred to swift through a family friend for our home loan and now swift has become part of that family. It was a pleasure working with awesome people with great minds. The name “SWIFT” itself proves their work ethics and values!!!!!!
Went through Izaz after being recocomended and the service was excellent. We had a tight turnaround on our refinancing and Izaz had the right tools and contacts to get our information through to a bank with a sharp rate and a cash back we were happy with. Would highly recommend to anyone.
Ranjana is a very proficient mortgage advisor who goes out of her ways to help you. She is very hard working and delivers positive results. Highly recommend to all.
I highly recommend ranjna she was super helpful and guided me through everything to purchase my first home I’ll be coming back for future investments 💯
It was a amazing experience dealing with swift mortgages.Izaz was very professional and very helpful during the whole process.He kept us informed and act promptly.He made the whole process so easyWe strongly recommend swift mortgages they are best.
Ranjana is simply outstanding as a mortgage advisor and, and we're incredibly grateful to have found her. Her expert financial advice made buying our first home a breeze. With her wealth of experience in mortgage advising, she had all the answers to our questions as first-time buyers. Thanks to her incredible support, we felt completely at ease and confident throughout the entire process. Choosing Swift Mortgages was undoubtedly the best decision we made, and we owe it all to Ranjana's exceptional work. Thank you, Ranjana, for helping us make our dream of owning a home a reality.Ranjana is the perfect person for all your financial needs and advice! Highly Recommend! 🙂
I had a fantastic experience working with Ranjana as my mortgage advisor for my first home. She is very professional and was very helpful during the whole process. I highly recommend Ranjana's services and look forward on returning for future investments.
My encounter with Swift Mortgages was nothing short of outstanding! Meysum's professionalism and unwavering assistance throughout the process were truly remarkable. He kept me informed and executed tasks promptly, streamlining the entire experience. I wholeheartedly endorse Swift Mortgages for their unparalleled service. They undoubtedly set the standard for excellence!
What an amazing experience dealing with Swift Mortgages. Izaz was very professional and very helpful during the whole process. He kept us informed and act promptly. He made the whole process so easy.We strongly recommend Swift Mortgages they are the best.
We stumbled upon swift with a reference from a family friend.We were lucky to have Joyce as our Advisor on achieving the goal of our lives. Swift (Joyce) was there for us through out our process until and also after shifting to our First home, guiding and providing with the information and knowledge which we needed to make the best of decisions that would suit our need.I highly recommend choosing Swift for all of the service they provide.
Swift Mortgage are exactly what we needed. I would 100% recommend to anyone who wants that peace of mind, reassurance and confidence in the buying first home . We are grateful we found IZAZ and will seek to use only him again in the future. We highly recommended him, He is highly professional, prompt, efficient and clear with communication.Responds quickly, understands the requests, communicates well and gets the job done under pressure... He knows what he is doing and does it in a timely manner.Thank you so much IZAZ Bhai for making our dream come true
Very happy. We are off shore, and Izaz got onto our refix along with getting us better rates then what ASB offered online.Highly recommend
My family and I are very pleased with Joyce Ram as we experienced 101% of her support in every step our first home loan journey and timely release of our bank finance. Joyce is super reliable; truly exceeded our expectations. Highly recommended!! 👍👍👍
Hi Ranjana, Thank you so much for the tremendous support and assistance you provided last year; it meant a lot to us. I apologize for not being able to express our gratitude in person due to the busyness of last year. We're truly grateful for the lovely house we purchased with all your guidance and support. We're now comfortably settled and in the process of turning it into a true home, although that journey may take some time. Once again, thank you sincerely for all that you've done for us.From: Shaleshni and Avinesh
I had a very pleasant experience with Swift mortgages. The team is very well experienced and professional. Izaz assisted me with my mortgage and several other things over the past 2 years and his service was excellent. His attention to detail, knowledge and experience truly assisted me in making great decisions. I highly recommend this company. So glad I was referred to them. They are a one stop shop for my financial wellbeing.
Our heartfelt gratitude to Joyce Ram who provided an exceptionally outstanding advice and support all throughout our journey to make this possible in buying our first dream home. Thanks Joyce, you were amazing, accommodating and very responsive to all our little concerns and questions. You made us realise that it is not difficult to become home owners and getting loan is not that hard. We know you went above and beyond to assist us find the best home and get our home loan approved. You are always welcome home and I would recommend Swift mortgage company for its best customer service to whoever wants to buy their dream home. Again thank you for your tremendous support and service Joyce.
We approached Ranjana of Swift Mortgages after our Mortgager Broker had failed to get our needed approval for property development. One meeting was all that was needed. She obtained an absolutely perfect finance package that has enabled to us to embark on our dream project.Very clear in her dealings, highly professional and flexible work hours for busy / working people. Knows her job! Would recommend anyone without hesitation. A+++ service.
We were assisted by RanjanaWhat an awesome person you are, great service provider in timly manner. We had complicated situation however she has made it easy for us. We found her to be very efficient, knowledgeable, professional and she kept us updated with every step, responding to our questions in timely manner. We are very appreciative with all you have done for us and thanks for your guidance, knowledge and perseverance, and all you have done for us🙏 We called in the last minute to cancel our 1st appointment thinking we won't be able to get through but you insisted for us to still just come over for a chat ... and I am glad that did asked us to come over eventhough we would be late for aptmt and that too was on Friday afternoon.... thank you Ranjana 😊
We would like to send heartfelt thank you to Meysum of swift mortgages. Meysum was very supportive & He also guide us all through our home loan He makes us easy to buy our new home I'll recommend him to my family & friends. I also want to thank you to swift mortgages family for the lemon 🍋 tree they planted at my new home
5 years ago I was referred to Izaz Hussein from Swift Mortgages from a close friend and trusted friend who bought her first home with her husband through the advice of Swift. At the time my sister and I were wanting advice on buying a home and Izaz provided honest feedback and gave us tips on how we can save and set goals to get onto the property market. 5 years later after taking Izaz advice we are now home owners! Thank you Izaz and team for making this a smooth and swift home buying journey! I highly recommend anyone who is wanting to own your first home to get in touch with Izaz and his team they will get the job done and make your home buying dreams come true! Thank you Swift Mortgages! 🙏🏽
We had the pleasure of working with Ranjana during a very stressful time when we had received some bad advice and needed to settle on our purchase. Ranjana can only be described as Super Woman....came into our lives gave us exceptional advice and had everything sorted for us in order to be able to purchase our new home. Our stress levels were immediately reduced and we could not have been more happy! Thanks so much Ranjana our 'Super Woman' 🧡
Dearest Joyce,We cannot thank you enough for the incredible support and love you have shown us throughout this journey. After a challenging financial year filled with numerous responsibilities, we never imagined that we would be able to purchase a home this year. But you made it possible! Your unwavering dedication and commitment have been instrumental in helping us reach this significant milestone. We are overwhelmed with gratitude and emotion, feeling a deep sense of pride in this achievement. It is such a special and indescribable feeling to have our names on the title of a property, especially one so far from our motherland, Fiji.Your presence in our lives has truly been like that of an angel, guiding us with wisdom and protecting us at every step. We have always admired your professionalism and work ethic. Your organizational skills, meticulous attention to detail, and relentless hard work have been inspiring. You approached every challenge with grace and determination, and it has been a privilege to witness such dedication firsthand. We feel incredibly fortunate to have crossed paths with you, and we are so grateful for everything you have done to help us make this dream a reality.We are eagerly looking forward to seeing you tomorrow to celebrate this accomplishment together. Once again, thank you from the bottom of our hearts.With heartfelt gratitude and best wishes,Shristi and Prashneel.
I am pleased with the service I received from Ranjana. Her interpersonal skills made the entire process seamless. She was professional, approachable, and attentive to my needs, creating a comfortable environment for our interactions.She is knowledgeable about the home loan process, providing detailed information and answering all my queries with clarity. She ensured I fully understood all aspects of the home loan, demonstrating their commitment to client education.I recommend Ranjana-Swift Mortgages to anyone seeking expert assistance with home loans.John & Jennifer
I Was referred to Joyce Ram few months ago by a friend. Firstly, I want to thank my friend for introducing me to such an informed Mortgage advisor. I own several homes but couldn’t get the security released on the family home even though I had so much equity. I tried several mortgage brokers including the Banks own lending managers. Regretfully none were successful.I explained my situation to Joyce who assured me by saying “I don’t see any issues here”. I supplied all the information Joyce requested. Within 2 weeks she had my security released. In addition to this Joyce got an extra mortgage approved for me. I have now sold my house and purchased another property.Joyce by far is the most professional, intelligent and knowledgeable Mortgage advisor I have come across. Her knowledge in the banking sector is simply unmatched. Following is some of the attributes I absolutely adore about herPromptly answered all my emails and phone callsAlways available to answer to all my inquiriesReturned my messages instantlyRegularly followed up with everything that was requiredI can’t speak highly enough of her services. The entire experience from the moment I contacted her was simply exceptional!I would highly endorse Joyce for her excellent service and expertise. Hence, she thoroughly earned my trust and loyalty.
Amazing, sound knowledge, Great service & timely response. Highly recommended Amol & Team for your mortgage, refinance & debt consolidation. Thanks 😊
My husband and I are extremely grateful to Shahvir for helping us with our insurances. We had initially signed up with Chhub but after discussing with Shahvir we were not covered correctly and Shahvir being a star helped us with sorting out our policy and making sure we have cover that best suits our needs. Shahvir is such a pleasure to work with and he continues to support us through this process as we have had to make a claim following my husband's recent injury. He has gone out of his way to help us sort our claim especially since my schedule is busy with work and he has been able to work in his own time to sort it out.I just wanted to express my gratitude to Shahvir and would like recommend anyone needing an insurance advisor to please reach out to Shahvir. He is amazing and professional and makes sure the job is done right. Thank you again Shahvir for helping us and continuing to support us as our advisor.
We were referred to SWIFT Mortgages through a friend. We were looked after by Izaz Aka Mr Swift. He treated us with respect. My sister who is 76, she bought a property with her daughter in law. Izaz gave us an assurance that he will get as an approval. Within a week he got us an approval Within our budget. We never thought we will be home owners due to our age. But he believed in his work and most importantly he believed in us. We were treated like family and whole process was so easy and smooth. We proud home owners now and part of Swift Family. Can't wait for Swift Lemon Tree.Best serviceBest peopleVery ReliableHighly Recommend
Ranjana Singh from Swift Mortages can only be described as an angel in disguise. My husband and I were so nervous when we first visited Swift as we had been told so many times before by other mortgage brokers that we would not be able to get a mortgage but when we spoke to Ranjana she was so clear and so confident and told us to leave everything to her and so we did. Ranjana's service and professionalism goes above and beyond. She made us feel so comfortable and helped us through every step with so much of energy and love. I would highly recommend Swift Mortages and if you are lucky enough to get Ranjana as your broker then guaranteed you would be with the best in the business. Thank you Ranjana for all your hard work, we wouldn't be in our own home if not for you. May you be blessed and grow from strength to strength.Jessie and Neeroth Singh
I have personally known Izaz for many years through community football, he is a great guy and a good friend! This lead us to use SWIFT mortgages for our recent home loan refinancing. We were in the process of migration and Izaz and the SWIFT team were able to assist in every step of the way to sort out our home loans before we left the country. The SWIFT team are very prompt and informative in their responses and Izaz himself is always a pleasure to deal with. We have now been successful in our loan refinancing, along with updating our insurance. I definitely recommend using them, with the current market, their knowledge and advice is definitely worth investing your time into!Thank you to Izaz and the team.
Izaz Hussain of Swift Mortgages has been extraordinarily amazing for helping us out with restructuring & re-financing our home loan with unbelievably competitive lending rates in the market. He made the whole process so clear and very smooth from the beginning of our engagement till very successful end. Thank you! For all the help and support Izaz @ Swift Mortgages
My finances have become tighter recently and mortgages rates hiked up! This meant I needed to re-fix my loans and I was worried I would have HUGE payments to make.However Izaz from SWIFT Mortgages saved the day (and my bank accounts!)I chose to work with SWIFT Mortgages rather than directly going to the bank because SWIFT are connected to many lenders which meant they could find me the best deal across the banks.Izaz truly values people and the community and donates to organizations generously. I saw his care for others at a recent charity event and instantly knew I wanted to work with him because of his good character.From the moment we shook hands to signing the papers, the service has been nothing short of amazing.Not only can I now easily maintain my loan payments (through a restructure), but I am also now able to purchase another property thanks to Izaz's great solutions and his ability to leverage his relationships with banks and his smart thinking.I highly recommend any of my family/ friends and community to work with Izaz and the team at SWIFT Mortgages whether they want to purchase a 1st home, investment property, re-structure loans or even get insurance advice.These are people you can trust to serve you and help you achieve your dreams.Thank you so much Izaz and the SWIFT Mortgages team,#champions
Based on my situation and experience with multiple mortgage service provider, I am very confident to say Swift Mortgages is the best.Me and my partner are so glad that we got to attend the seminar at Swift Mortgage and had the opportunity to meet lawyers, finance advisors and discuss our situation.I didn’t had the best credit score and went to see Izaz with very little hope and 1 rejected home loan application from bank. Despite this, he managed to get us approval from bank whereas i was told by previous mortgage advisor that i have to wait for another 3-4 years.@Izaz - I do not have any words to describe how happy we are. Thank you so much for what you have done for us.May God Bless you Izaz . Leaving this review here so hoping someone like me can connect with you and give you the Blessings.
When our loan application faced challenges due to various issues😜, Ranjana Singh stepped in as our beacon of hope. Introduced by a bank manager, she worked tirelessly to turn things around. Here’s why we’re immensely grateful:Despite our previous loan application rejection from bank , Ranjana worked swiftly and efficiently.Her dedication made the seemingly impossible possible.Ranjana’s expertise and hard work made the property purchase process easy.She navigated complexities, ensuring we could buy our investment property.We can’t adequately express our thanks to Ranjana.Her commitment changed our lives, and we’re forever grateful.In summary, Ranjana Singh’s unwavering efforts and exceptional service deserve applause. 🏠🌟🙏🙏😊👍
Quick and easy process, service was excellent and would recommend this company if you need a first time home loan. Izaz Hussein was our broker back then when we were looking for our first home buy. With his service made it easier for us to get through the whole process, years gone by now and we are still with him and Swift Mortgages.
Life insurance service by Shahvir from Swift Mortgages, he was so supportive and helpful in choosing the right insurance policy. Discussed everything in detail and done the application online. It was quick and easy. Thank you Shahvir
Ranjana Singh does a very good job to look after her customers. She is also very good at doing her job and wastes no time. Thank you for your help, such a life saver.
Izaz has done a fantastic job with helping me buy my new home making sure I understand everything that's needed. I will highly recommend to my friends and families. My home loan was done very swiftly with SWIFT Mortgages
It was great dealing with Swift Mortgages had no problem in getting my loan approved to build my 4 houses i would highly recommend Swift Mortgages to anyone looking to purchase a new home or build one
I just want to take a moment to thank Joyce for all her help and guidance throughout the home buying process.Your expertise and support made a huge difference, and I'm so grateful!Thank you so much for your hard work and dedication,.You helped make our dream of owning a home a reality, and we can't thank you enough!"I want to express my heartfelt thanks for your assistance in securing our mortgage. Your professionalism and knowledge were impressive, and we appreciate everything you did for us ❤️With lots of thanks @Rjsh Goundar and @Shital Goundar
My partner and I were introduced to Meysum and Swift Mortgages through a friend. As first home buyers, it can be incredibly difficult to navigate all the nuisances of the mortgage process.Meysum was incredibly calm, easy to work with and gave us a bunch of great advice. He was there throughout the entire process and very quick to respond to our queries. I highly recommend giving them a try if you're in the market to buy your first or next property. Thank you guys very much!
When my husband Deepak and I began our journey to purchase our first home, we had no idea where to start. Thankfully, we found Izaz from Swift Mortgages, and our experience could not have been better. From our very first meeting, Izaz treated us with the utmost respect and made us feel like VIPs. His expertise and dedication were evident, and within just three weeks, we had our loan approved and were settling into our brand-new home. We have been loyal customers of our main bank since we arrived in the country, yet it was another bank that granted us the loan. Without Izaz's exceptional guidance and relentless effort, we would have been left disappointed by our own bank's rejection. If you are a first-time home buyer or looking to purchase another property, do not hesitate to contact Swift Mortgages and ask for Izaz. His professionalism, commitment, and personalized service are unmatched. Thank you, Izaz, for making our dream of owning a home a reality!Warm regards,Deepak & Swastika
We recently worked with Izaz from Swift Mortgage Brokers to secure a mortgage for our new home, and we couldn't be more pleased with the experience. From start to finish, Izaz demonstrated exceptional professionalism, knowledge, and dedication.Throughout the process, Izaz was always available to answer our questions, provide detailed explanations, and offer sound advice. Their expertise in the mortgage market was evident, and they worked tirelessly to ensure we got the best possible rate and terms.What impressed us most was Izaz's ability to make the complex mortgage process felt straightforward and stress-free. Their communication was clear and timely, and they consistently went above and beyond to meet our needs.We highly recommend Izaz to anyone in need of a mortgage broker. Their commitment to client satisfaction and a deep understanding of the industry make them an outstanding choice.Thank you, Izaz, for making our home-buying experience so positive!Mandus & Ginny
We cannot thank Ranjana enough for the wonderful service we received from her.Based it Christchurch we thought is would be hard to communicate with a broker in Auckland but Ranjana made everything so easy.She has prompt with her communication to us and the bank and kept us informed every step of the way. She provided us an awesome solutions and her service was excellent. We would like to highly recommend Ranjana.Thanks Pritishna/Sarend😊
We met Joyce through our journey of our first home purchase . She was way more than just a mortgage broker. She went miles for us. She helped us with everything. She organised our finance so fast and the lawyer, building inspection. She worked and took care of us as if it her house. We used to call her odd hours but she always answered and explained us. We met her as a mortgage broker but now she has become our closest friend. She is the sweetest and the most helpful soul we’ve met. The best mortgage broker in Auckland
This was my first home purchase and I was truly blessed to have Ranjana Singh as my broker, to put it simply, she is the gift that keeps on giving.For starters she made the entire process so smooth and comprehensive that even a reclusive laymen like myself felt at home and able to comprehend any nuances that I might have otherwise missed.I was offered a plethora of loan options that fit my needs and budget, and patiently guided through the pros and cons of each one.She was always available if I had an inquiry or needed reassurance. And I would be remiss if I didn’t add that the warm and inviting environment she has created for her clients was a major bonus!Overall my experince was 5 star and I couldn’t recommend her and her team more to anyone looking to purchase a home.Best regards, from a very satisfied customer.
Thank you to Meysum at Swift for his great work in our recent re-mortage. He worked with us to understand what we needed and then delivered a better result! Will be definitely reengaging him again!
We recently had the pleasure of dealing with Meysum and the team at Swift Mortgages. Nothing was a problem and the communication was excellent throughout the entire process. I didnt make it easy for them as I knew what I wanted but Meysum and the team delivered 100% of what we wanted. I would absolutely recommend Swift Mortgages to anyone looking to purchase or refinance. Thanks team.
Ranjana is a very professional mortgage adviser she has done an awesome job helping us out with our first home we highly recommend her to anyone always there when you need help appreciated her work Thank you Ranjana
"I have dealt with Joyce Ram, and the experience was exceptional. Moreover, she understands your problems and takes steps to help you. Joyce is not only a good guide and a great professional but also has a more humanistic approach to issues. She is more focused on your gain than hers. She is the main reason why we have a home now, and we thank her from the bottom of our hearts."
I had the pleasure of working with Joyce as my Mortgage advisor from Swift Mortgages for my first home. I recently came here to NZ and initially, I didn't have any idea about the process. However, Joyce spent more than an hour to explain me about the entire process and clarified all my doubts. They took the time to understand my financial goals and preferences, crafting a customised mortgage solution that exceeded my expectations.Communication with Joyce was outstanding. She was always accessible, responsive, and proactive in keeping me informed every step of the way. From sourcing the best rates to guiding me through paperwork, their attention to detail and dedication to client satisfaction were evident at every turn. I highly recommend Swift Mortgages to anyone in search of top-notch mortgage assistance. Thanks, Joyce for being the best part to fulfilIing my dream.
Recently had an awesome experience working with Swift. The whole process of getting the loan approval went so smoothly and promptly. We were referred to swift through a family friend for our home loan and now swift has become part of that family. It was a pleasure working with awesome people with great minds. The name “SWIFT” itself proves their work ethics and values!!!!!!
Went through Izaz after being recocomended and the service was excellent. We had a tight turnaround on our refinancing and Izaz had the right tools and contacts to get our information through to a bank with a sharp rate and a cash back we were happy with. Would highly recommend to anyone.
Ranjana is a very proficient mortgage advisor who goes out of her ways to help you. She is very hard working and delivers positive results. Highly recommend to all.
I highly recommend ranjna she was super helpful and guided me through everything to purchase my first home I’ll be coming back for future investments 💯
It was a amazing experience dealing with swift mortgages.Izaz was very professional and very helpful during the whole process.He kept us informed and act promptly.He made the whole process so easyWe strongly recommend swift mortgages they are best.
Ranjana is simply outstanding as a mortgage advisor and, and we're incredibly grateful to have found her. Her expert financial advice made buying our first home a breeze. With her wealth of experience in mortgage advising, she had all the answers to our questions as first-time buyers. Thanks to her incredible support, we felt completely at ease and confident throughout the entire process. Choosing Swift Mortgages was undoubtedly the best decision we made, and we owe it all to Ranjana's exceptional work. Thank you, Ranjana, for helping us make our dream of owning a home a reality.Ranjana is the perfect person for all your financial needs and advice! Highly Recommend! 🙂
I had a fantastic experience working with Ranjana as my mortgage advisor for my first home. She is very professional and was very helpful during the whole process. I highly recommend Ranjana's services and look forward on returning for future investments.
My encounter with Swift Mortgages was nothing short of outstanding! Meysum's professionalism and unwavering assistance throughout the process were truly remarkable. He kept me informed and executed tasks promptly, streamlining the entire experience. I wholeheartedly endorse Swift Mortgages for their unparalleled service. They undoubtedly set the standard for excellence!
What an amazing experience dealing with Swift Mortgages. Izaz was very professional and very helpful during the whole process. He kept us informed and act promptly. He made the whole process so easy.We strongly recommend Swift Mortgages they are the best.
We stumbled upon swift with a reference from a family friend.We were lucky to have Joyce as our Advisor on achieving the goal of our lives. Swift (Joyce) was there for us through out our process until and also after shifting to our First home, guiding and providing with the information and knowledge which we needed to make the best of decisions that would suit our need.I highly recommend choosing Swift for all of the service they provide.
Swift Mortgage are exactly what we needed. I would 100% recommend to anyone who wants that peace of mind, reassurance and confidence in the buying first home . We are grateful we found IZAZ and will seek to use only him again in the future. We highly recommended him, He is highly professional, prompt, efficient and clear with communication.Responds quickly, understands the requests, communicates well and gets the job done under pressure... He knows what he is doing and does it in a timely manner.Thank you so much IZAZ Bhai for making our dream come true
Very happy. We are off shore, and Izaz got onto our refix along with getting us better rates then what ASB offered online.Highly recommend
My family and I are very pleased with Joyce Ram as we experienced 101% of her support in every step our first home loan journey and timely release of our bank finance. Joyce is super reliable; truly exceeded our expectations. Highly recommended!! 👍👍👍
Hi Ranjana, Thank you so much for the tremendous support and assistance you provided last year; it meant a lot to us. I apologize for not being able to express our gratitude in person due to the busyness of last year. We're truly grateful for the lovely house we purchased with all your guidance and support. We're now comfortably settled and in the process of turning it into a true home, although that journey may take some time. Once again, thank you sincerely for all that you've done for us.From: Shaleshni and Avinesh
I had a very pleasant experience with Swift mortgages. The team is very well experienced and professional. Izaz assisted me with my mortgage and several other things over the past 2 years and his service was excellent. His attention to detail, knowledge and experience truly assisted me in making great decisions. I highly recommend this company. So glad I was referred to them. They are a one stop shop for my financial wellbeing.
Our heartfelt gratitude to Joyce Ram who provided an exceptionally outstanding advice and support all throughout our journey to make this possible in buying our first dream home. Thanks Joyce, you were amazing, accommodating and very responsive to all our little concerns and questions. You made us realise that it is not difficult to become home owners and getting loan is not that hard. We know you went above and beyond to assist us find the best home and get our home loan approved. You are always welcome home and I would recommend Swift mortgage company for its best customer service to whoever wants to buy their dream home. Again thank you for your tremendous support and service Joyce.
