In this episode of the Trends Property Insight Series, we sit down with Sanjeev Jangra, a Loan Market mortgage adviser recognised as an NZ Advisor Top Adviser 2024, to talk through the real decisions that shape a successful home loan.

Instead of fixating on rates alone, we explore the little things that move the needle: how your everyday banking tells a story, when non-banks quietly open doors, and why the right structure can make life easier long after settlement. Sanjeev shares what buyers often overlook before pre-approval, the simple habits that strengthen your application, and the trade-offs worth making (and avoiding) when you find “the one.”

We also touch on timing the market vs timing your life, the art of terms and conditions that beat higher offers, and the safeguards that turn a big mortgage into a resilient plan. There’s no one-size-fits-all formula here, just candid insights, useful examples, and a calm way to think through big choices.

Whether you’re buying your first place, moving up, or weighing banks against non-banks, this conversation will help you see the path more clearly and step onto it with confidence.

There’s plenty more where that came from. The Trends Property Insight Series is a video podcast that dives into the real stories, expert advice, and smart solutions behind New Zealand’s renovation, building, and home buying journeys. Hosted by Andrew Johnson, each episode features industry leaders, design professionals, and product innovators sharing practical insights to help you make confident decisions for your home.

To explore the full series of interviews, design stories, and renovation tips, head over to our Podcast Page and watch or listen to every episode on demand.