Auckland · Mortgage advice
An Auckland mortgage adviser who does the running around for you.
I'm Sunny Khurana. I work out where you actually stand, put your situation to lenders properly, and handle the paperwork and the follow-up from the first conversation through to settlement.
- On the Financial Service Providers Register since 2011
- FMA-licensed financial advice provider
- Member of the FSCL dispute resolution scheme
Who this is for
Four situations I spend most of my week on
If yours isn't on this list, it's still worth a call. These are just the ones that come up most.
- 01
First home buyers
The hard part usually isn't finding the house. It's knowing what you can realistically borrow, what your deposit and KiwiSaver actually do for you, and what's worth tidying up before anyone looks at your file. That's a much better conversation to have before you start bidding than after.
- 02
Refinancing or refixing
A fixed term ending is a decision, not an admin task. It's worth looking at the whole loan — how it's structured, how long you fix for, what's changed in your life since you set it up — rather than accepting whatever lands in your inbox by default.
- 03
Self-employed and contractors
Your accountant works to bring your taxable profit down. A lender reads that profit figure as your income. Those two things pull in opposite directions, and the difference usually comes down to how the file is put together and explained, not to earning more.
- 04
Property investors
Existing lending, rental income and equity all interact, and the order you do things in matters. The question is rarely just "can I do this one" — it's what this one does to the next one.
How it works
Four steps. You'll always know which one you're on.
No mystery, no black box, and no being handed down a chain of people.
- 1
Talk
15 minutes · no cost · no obligationA phone or video call. You tell me what you're trying to do and roughly where you're at. I'll tell you what's likely to matter, what I'd need to see, and what the realistic sequence looks like. If I'm not the right person for it, I'll say so on that call.
- 2
I do the legwork
The unglamorous partI gather the full picture — income, debts, deposit, the property if there is one — and check it against what lenders require. I chase the documents, find the gaps, and come back to you with specifics: the two things still missing, not a reminder to "finish your application".
- 3
You get the options in plain English
Your decision, not mineI explain what looks available to you, what each option means for your repayments and your structure, and the trade-offs between them — in words, not jargon. You decide. Nothing is sent anywhere until you've said yes to it.
- 4
I run it through to settlement
And I chase itI prepare and submit the application, answer the lender's questions, manage the conditions, and keep your solicitor and your agent in the loop. You hear from me when something moves — including when the news isn't what we hoped for.
Why an adviser
Why use an adviser instead of walking into your bank
Your own bank is a perfectly reasonable place to start, and sometimes your own bank turns out to be the right answer. Here is what's genuinely different about doing it through an adviser.
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One conversation instead of five
If you go lender by lender yourself, you tell the same story several times, complete several sets of forms, and end up comparing answers to questions that were never asked the same way. You tell me once, and I do the repeating.
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Someone who reads a payslip the way a lender reads it
Not every lender assesses income the same way, and a payslip that looks simple to you can raise three questions on the other side of the desk — overtime, a bonus, a second job, a recent change of employer, a business that had a quiet year. Knowing how a file is likely to be read before it is submitted is a large part of the value.
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The paperwork chase is the actual work
Filling in the application is an afternoon. The weeks after it are the job: the statement that needs re-issuing, the condition nobody explained, the email that went unanswered while a settlement date got closer. That's the part I take off you, and it's usually the part that decides whether things land on time.
The honest limits. I can only arrange lending with lenders I hold accreditation with, so I'm not able to look at every lender in the market. If it looks like your own bank or a lender outside what I can access is the better route for you, I'll tell you that rather than talk you out of it.
Self-employed · new to New Zealand · income that isn't simple
A straight answer, not a two-week maybe.
If you're self-employed, contracting, newly arrived in New Zealand, paid partly in commission or bonuses, or your income arrives in more than one currency, you have probably had the experience of being told "that should be fine" and then hearing nothing for a fortnight.
That's the part I'd rather fix. Send me the situation and I'll tell you what I'd need to see to give you a real answer, roughly how long that will take, and — if it isn't going to work in its current shape — what would have to change. Including when the answer is no.
- Self-employed and company owners
- Contractors
- New to New Zealand and visa holders
- Commission, bonus and overtime income
- Trust and company structures
- Income earned overseas
Sandeep (Sunny)
Khurana
Financial adviser
- Adviser
- FSP124664
- Rooster Mortgages Limited
- FSP726411 · NZBN 9429032338515
- On the register since
- 2011
About
I'm Sunny Khurana.
My full name is Sandeep Khurana — almost everyone calls me Sunny. I'm a mortgage adviser based in Auckland, and Yellow Rooster is a one-adviser business. That's deliberate. When you call, you get me. The person you speak to at the start is the person who prepares your application and the person who calls you at settlement.
I work with clients across Auckland and elsewhere in New Zealand, mostly by phone, video and email, and in person when that's genuinely more useful. What I try to be is quick to answer and straight with you — I would much rather tell you today that something isn't going to work than let you find out in three weeks.
You can check me. Yellow Rooster Mortgages is a trading name of Rooster Mortgages Limited, Financial Service Provider number FSP726411, NZBN 9429032338515. I'm registered in my own right as FSP124664 and have been on the Financial Service Providers Register since 2011. It's a public register — please look me up before you send me anything.
Questions
The things people ask me first
General information about how this works. None of it is advice about your situation — that takes a conversation.
What does it cost me?
There is normally no fee to you. I'm paid a commission by the lender when a loan settles, which is how most mortgage advisers in New Zealand are paid. If anything about your situation would mean a fee applies, I'll tell you before any work starts and you'll have it in writing.
Will this affect my credit score?
Talking to me doesn't. A conversation, a fact-find and my own assessment of where you stand don't involve a credit check.
A credit enquiry generally happens when an application is actually made to a lender, and enquiries are recorded on your credit file. That's one reason it's worth being deliberate about how many applications get made and in what order, rather than approaching lenders one after another to see what happens.
Nothing goes to any lender without you saying yes first, and I'll tell you before it does. Credit files and scores are maintained by the credit reporting agencies rather than by me, so if you want to see what's on yours or understand how it's calculated, they're the ones to ask — and you're entitled to request a copy of your own file.
How long does it take?
It depends on your situation and on how busy the lender is at the time, so I'm not going to quote you a number I can't stand behind. What I will do is tell you at the start what the realistic sequence looks like, and tell you the moment something slips rather than letting you wonder.
The single biggest thing inside your control is getting documents back to me quickly. Files stall on missing paperwork far more often than they stall on anything else.
What documents will you need?
It depends on your circumstances, and I'd rather not hand you a generic list of twenty things when six of them don't apply to you.
As a general shape: identification, evidence of your income, bank and loan statements, and details of any debts or credit cards. If there's a property involved, the sale and purchase agreement. If you're self-employed, financial statements and tax information. There may be more depending on your situation.
I'll send you a list built around you specifically, and when something's outstanding I'll name it — not ask you to go and work out what's missing.
Do I have to change banks?
No. Staying where you are is sometimes the right outcome, and if that's what it looks like for you then that's what I'll tell you. My job is to help you make an informed decision, not to move you for the sake of moving you.
What if my situation is complicated, or I've been declined before?
Worth a conversation. A previous decline is information — it usually tells us something about how the file was read, and sometimes about how it was presented.
I can't promise you a different outcome and I won't pretend otherwise. What I can do is look at it properly and give you a straight view on whether it's worth pursuing now, worth revisiting later, or not worth your time at all.
Do we have to meet in person?
Usually not. Most of this happens by phone, video and email, which is faster for everyone and means we're not scheduling around traffic.
Your identity does have to be verified before a loan can be arranged. I'll tell you what's needed and how to do it when we get to that point, and if it suits you better to do it in person, we'll arrange that.
What happens to my information?
In short: your information is collected so that I can understand your situation and give you advice, and — with your permission — so that I can approach lenders on your behalf. How it is collected, stored, used, shared and corrected is set out on the privacy page.
Get started
Tell me your situation.
Fifteen minutes on the phone is usually enough to tell you whether there's something worth doing. No cost, no obligation, and no chasing you afterwards unless you ask me to.