Harry Verma - Mortgage Adviser

🏡 Another first home dream achieved! 🔑

Congratulations to this beautiful family on purchasing their very first home! ❤️

A quick story behind this one…

After spending a few weeks without progress with another broker, the clients were introduced to me. I took the time to understand their full financial position, carefully reviewed the details and worked through their application based on their circumstances.

I’m incredibly happy that we were able to get their home loan approved and help them take that important step towards home ownership. 🙌

For me, it’s all about understanding the client, paying attention to the details and finding the right lending solution for their circumstances.

Thank you for your trust and confidence in me throughout the journey.

Congratulations again! 🎉🏡
Wishing you many happy memories in your new home. ❤️

🔄 Your refix is coming up? Don’t just accept the first rate you’re offered.

If you have less than 20% equity, you may still be eligible for up to 1% cashback when refinancing. 💰

That could mean:

🏠 $500k loan → up to $5,000
🏠 $700k loan → up to $7,000
🏠 $1m loan → up to $10,000*

⏰ Limited time only.

📞 022 087 6071
Message me to discuss your options.

*Eligibility, lender criteria and terms & conditions apply. Cashback offers are subject to lender availability and may change or be withdrawn.

🏠 Did you know you may be eligible to buy your first home with as little as 5% deposit?

The Kāinga Ora First Home Loan is designed to help eligible first-home buyers who may not have a 20% deposit.

If you’re currently paying $600/week in rent, that’s around $31,200 a year in rent.

Instead of paying someone else’s mortgage, you could potentially be working towards your own home. 🔑🏡

If you’re thinking about buying your first home, let’s see if you may be eligible.

📞 Call or text: 022 087 6071

Eligibility criteria and lender requirements apply.

🏡 First Home Buyer? You may be able to buy with just a 5% deposit!

The Kāinga Ora First Home Loan could help eligible buyers get into their first home.

Here are some key things to know 👇

✅ Minimum 5% deposit
💰 Income caps apply:
• Individual, no dependants — up to $95,000
• Individual with dependants — up to $150,000
• 2+ buyers — combined income up to $150,000
🏠 No house-price cap
💳 1.2% LMI fees apply

Subject to Kāinga Ora eligibility and the participating lender’s lending criteria.

🔑 Not sure if you qualify?

Harry Verma | Mortgage Adviser
0220876071
📞 Get in touch to discuss your options.

From pre-approval to proud homeowners. 🔑🏡
Congratulations to this beautiful couple on becoming proud first-home owners! 🎉❤️

I’m so glad I could be part of their home-buying journey and help them take that first step towards owning their own home.

Thinking about buying your first home? Here’s why I always recommend getting pre-approval first 👇

🏠 Know what you can afford — so you can focus your search on homes that fit your budget.

🔑 House hunt with confidence — no more guessing whether a property is within your reach.

💪 Be ready when the right home comes along — you’ll be in a much better position to move forward with an offer.

❤️ Avoid falling in love with the wrong house — knowing your borrowing capacity upfront can save you a lot of disappointment.

📋 Get a plan in place — pre-approval is also a great opportunity to understand your lending options and how your mortgage could be structured around your goals.

Buying your first home can feel overwhelming, but it doesn’t have to be.

Start with a conversation, get your pre-approval sorted, and then go house hunting with confidence. 🏡🔑

Thinking about buying your first home and need help with your pre-approval?
📲 : 0220876071
Get in touch — I’d be happy to have a chat and help you understand your options.
Your home-buying journey starts with the right first step. 🔑🏡

🚨 Buying a house? Don’t make this mistake!

Skipping the building inspection could cost you BIG later. 🏠💸

Before you sign on the dotted line, make sure you do your due diligence and get a qualified building inspector to check the property.

A few hundred dollars now could save you thousands later. 🔍

Don’t just fall in love with the house — check what you’re actually buying!

Thank you so much Ramandeep, for trusting me with your refinance and for this awesome review 🙏 It means a lot to know I could make the process smooth and easy to understand.

💡 A quick reminder for anyone with a home loan coming up for refix: don’t just accept the bank’s refix offer straight away. Take the time to explore your options first — you could be leaving money on the table.
Right now, refinancing could mean:
✅ Up to 1% cashback
✅ competitive interest rate
✅ The right structure for YOUR goals — whether that’s paying off your mortgage faster, freeing up cash flow, or preparing for your next property

The best time to review your mortgage structure isn’t when the bank tells you to — it’s when it actually suits your goals.

📲 If your loan is coming up for refix, let’s chat before you lock anything in. I’ll help you compare and structure it right.

Harry Verma | Mortgage Adviser
📩 [email protected]
📞 022 087 6071

Thank you Milap, for taking the time to record this video testimonial and for your honest and kind feedback. It truly means a lot to me.

I’m grateful for the opportunity to be part of your first home journey and appreciate the trust you placed in me. Wishing you and your family many happy memories in your new home! 🏡🙏