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Confidence in Every Step.
Clear, simple mortgage advice — tailored to your journey.

MY STORY

Wisdom in Lending

SUKHI Your Mortgage Mate
Financial Adviser

My path into financial services started long before I became a mortgage adviser. I spent years managing teams, running operations and working closely with numbers. Working across different roles taught me how money really moves — how people earn it, spend it, and sometimes struggle to make the right financial choices.

That experience encouraged me to move into lending. I completed the New Zealand Certificate in Financial Services Level 5 and shifted my focus to helping people understand their financial position and make confident decisions.

Today I guide clients through buying and refinancing with clear explanations and practical advice. I assess their situation, compare lenders, structure the loan and support them through every step. My background in leadership and problem-solving has shaped the way I work. I stay organised, communicate clearly and always work toward the best outcome for every client.

Helping people reach their goals and feel confident in their financial choices is what motivates me every day.

About Star Mortgage

Exceptional service and results are our priority; everything else is secondary.
Star Mortgage is a New Zealand mortgage advisory firm with over 10 years of experience across banking and property development. We focus on fast, efficient execution and clear, practical advice.

We are solutions-focused, handling the complexity of lending so our clients can focus on what matters most. Our services are 100% free, with no strings attached.

Why Choose Sukhi ?

Integrity

Integrity

Always in your best interest.

Clarity

Clarity

Finance made simple.

Service First

Service First

Your goals come first.

Trust

Trust

Long-term relationships, not one-off deals.

Our Core Services

Smart Lending Solutions for Every Stage

buy-home

First-Home Buyers

Helping you buy your first
home.

refinancing

Refinancing

Better rates, Tailored to
you.

restructure

Restructuring

Smarter Management of your loans

investment

Investment Properties

Growing your property
portfolio

Our Core Services

Smart Lending Solutions for Every Stage

buy-home

First-Home Buyers

Helping you buy your first home.

refinancing

Refinancing

Better rates, Tailored to
you.

restructure

Restructuring

Smarter Management of your loans

investment

Investment Properties

Growing your property
portfolio

Our Lending Partners

At Star Mortgage, we work with New Zealand’s trusted banks and non-bank lenders so you can compare options and choose what suits you best.

Selected non-bank and specialist lenders

More lenders – more choice, better rates, tailored solutions.

More Banking Partners

These are the major registered banks offering mainstream financial services, with strict lending criteria:

  • ASB
  • ANZ
  • Westpac
  • BNZ
  • Bank of China
  • AIA Homeloans
  • Heartland Bank
  • KiwiBank
  • SBS
  • The Cooperative Bank
These lenders cater to borrowers who may not meet the strict criteria of 1st tier lenders. They often focus on non-bank solutions and may offer higher interest rates:

  • Resimac
  • Liberty
  • Bluestone
  • Unity Money
  • Peppermoney
  • Xceda
These are typically private or specialist lenders catering to higher-risk or short-term lending needs. They often charge higher interest rates and fees:

  • Basecorp
  • Southern Cross Partners
  • Avanti Finance
  • DBR
  • DC Capital
  • Vincent Capital
  • Cressida Capital
  • First Mortgage Trust
  • ASAP Finance
  • Pallas Capital
  • Prospa
  • Plus Finance
  • Simplify
  • Apricity
  • Challenger NZ
  • Clevermoney

Pre-Approval / Loan Journey

Your Mortgage Journey in 6 Simple Steps

Discovery

1.
Discovery

Information Gathering
2.
Information Gathering
Loan Assessment
3.
Loan Assessment
Loan Approval
4.
Loan Approval
Settlement
5.
Settlement
Ongoing Care
6.
Ongoing Care

Testimonials

What Our Clients Say