Wherever you are based, your next move starts here
Whether you’re based in Auckland, Wellington, Christchurch or beyond, we provide practical mortgage advice so home buyers can understand their home loan options and take the next step with confidence.
First Home
From “where do I start?” to understanding what’s possible. We’ll help you navigate your deposit options, borrowing capacity and the steps towards your first home.
Refinance
Looking for a better rate, top up or cashback? We’ll help you compare lenders, understand switching costs and see whether refinancing could put you in a better position.
Investment Property
Buying your first rental or considering another property? We’ll help you explore lending options and a loan structure carefully designed around your property goals.
A wide range of lenders to choose from
Dhruv Sabharwal
Director & Mortgage Adviser | FSP1011392
Dhruv started Mortgages & More with a simple vision: to bring more clarity and less guesswork to the home-buying journey, especially for first-home buyers, as they often need practical guidance to make informed decisions.
Before starting Mortgages & More, Dhruv worked as a Mortgage Adviser at a high-volume Auckland-based advisory firm, gaining hands-on experience across a range of residential lending scenarios while consistently being appreciated by clients for his ability to explain complex mortgage terms in plain English and Hindi.
My message to first-home buyers:
"As someone who once stood in your shoes as a first-home buyer, I truly understand the mix of excitement, stress, and endless questions that can come with buying your first home. That’s why I will personally walk you through the entire home buying process from our first conversation to the day you step into your first home."
— Dhruv Sabharwal
A bit more about me and what to expect
First Home Buyers' Hand-holding
LVR, LEM, LMI, LEP — buying your first home comes with plenty of jargon. I’ll provide the hand-holding to help you make sense of it all.
A Strong Focus on Client Education
My main focus is to educate and help you make informed decisions, rather than just arrange a home loan.
Honesty & Transparency
You'll get an honest view of your options, including the benefits, limitations and any important risks to consider.
HOW IT WORKS
Four steps to the keys
First conversation
Your goals come first. Get in touch and we'll discuss what you’re looking to achieve, your deposit and your financial position, then give you an estimate of how much you may be able to borrow.
Document gathering
Next, we’ll gather the essentials for assessment, such as your payslips, bank statements and other relevant documents, while you complete your financial information through our secure online portal.
Approval & house hunting
After assessing your position, we'll compare lenders & submit your application to a suitable lender. Once approved, you can start house hunting with your approved borrowing limit & lender conditions in mind.
Loan structure & settlement
Once you've found a house and your offer is accepted, we’ll work through any remaining lender conditions, structure the home loan to fit your goals, and continue supporting you through settlement.