Testimonials

21st January 2014

Joyti is not just an exceptional people person but also has a very good grasp of the financial processes involved in getting a mortgage and navigating through the hurdles with what appeared to me to be effortlessly. She sincerely and proactively worked on my behalf to secure both the mortgages for my homes. She was willing to meet with me to discuss at any hour of the day or evening, always polite, always friendly, there is no person I would want more than Joyti to take care of any future mortgages I may need.

Ande Schurr | Schurr Sound Ltd

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03 November 2013

Dear Joyti,

We wish to thank you for all your help and over expected effort you put in, in helping us during the last two weeks.

Your guidance and advices saw us through a very difficult time and got us the second mortgage that we needed to reconcile our debts.

We will recommend you to anyone we think could use your financial advice and help in the future.

As for now we wish you a very happy Diwali and a prosperous new year, and hope our business relationship be stronger in the future.

Many thanks

Jay and Parvin Devia

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27 October 2011

Joyti Singh
Principal/Mortgage Broker
Mortgage Providers NZ Limited
AUCKLAND

Dear Joyti,

Re:  Mortgage Refinance

We have been trying for the last two years to get back to a bank mortgage, and escape our financially crippling and soul destroying, Finance Company mortgage payments, but without success.

Our mortgage was due again for re-financing this October month, so back in September we began contacting various Mortgage Brokers to find someone who could help us out of our mortgage dilemma.  We had approached two different Mortgage Brokers and one of them said, “I’m sorry, but you may have to look at the possibility of losing your house on a mortgagee sale.”  That was devastating news and it was the last time we heard from him.  But we were determined to overcome our mortgage dilemma.

Joyti, we were inspired to contact you because in the past we always found your presence warm and welcoming like having a family member around.  Although on a business level you were always: approachable, friendly, professional, reliable and efficient, plus you were our last option.

Okay we did not get a bank mortgage, but you did manage to re-finance our mortgage (being settled today), with Sovereign Home Loans, a subsidiary company of ASB Bank.   As far as my family and I were concerned it might as well be a bank mortgage.  We compared our current mortgage payments of interest only at 10.95% fixed – to our newly re-financed rates of: 5.75% floating, 6.20% fixed, a 20 years mortgage (paying both principal and interest), giving us a total savings of $340 per month in mortgage payments – WOW! This was most definitely an early Christmas present.  Secretly we have been yearning for an ASB mortgage and Sovereign Home Loans is a step in the right direction. Thank you God for answered prayers.

Joyti you are a God Send, our Life Saver and the Perfect Mortgage Broker we desperately needed to save us from an inevitable mortgagee sale.  You helped us save our family home, and by doing this you gave us back our pride and dignity to know the future of our family and our home is secure – as well as another opportunity to redeem ourselves into re-directing the course of our financial life towards reducing and eliminating debt.

We will always be eternally grateful to you Joyti. “May God shower blessings of unlimited success and abundant living to you, your family, your work colleagues and everything that you do and may your presence continue to be a beacon of light to every soul you come in contact with.”

Yours sincerely
THE UNIVERSAL FAMILY TRUST

Ms M.(Maggie) Noomaara
PRINCIPAL TRUSTEE

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Joyti Singh is a very professional person to deal with and she has provided efficient, fast and friendly service regarding Insurance and Mortgage product for me.
I am very happy to refer her services she provided as a Mortgage Broker to my friends and family for their loan requirements.

Surinder Sharma
Owner/operator
Ballantrae Four Square
21st September 2011

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“We were caught on the hop when we suddenly got notice that the unit we bought was complete and we had only 5 days to settle. The agent failed to pass on to us the developer’s progress reports.
Panic!
We still had a mortgage to arrange as we did not want to use the bank that had approved finance.
Joyti rose to the challenge and had a mortgage sorted for us in only 4 days and so we settled only 1 day late. Joyti said that this is the quickest mortgage she has ever arranged.
We would definitely use her again and have no hesitation in recommending her.
Petra and Brian Hewson
16 April 2011”
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“Dear Joyti,

We would like to thank you for your exceptional service provided to us recently.

Not only did you go the extra mile in shopping around for the best deal from Banks, but also managed to gain a contribution towards our Solicitors fee and a mortgage rate discount !  Fantastic.

You certainly exceeded our expectations and we would have no hesitation in recommending you to friends and family…and will definitely be using your service next time round.

Thanks for all your hard work!

Kind Regards
Dale & Tracey  (Marlin Trust)
30th March 2011”
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Hi Joyti,

Many thanks for all your help with the mortgage! It is a bit scary with the mortgage but exciting times!
I am very grateful for all your efforts and I look forward to liaising with you next year. If anyone I know  needs a mortgage will definitely pass on your name.
Best wishes for the holiday season.

Kind regards,
Donna
13th December 2010
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Hi Joyti,

Thanks for all your help. We signed the papers with Paramjit yesterday and she did mention that the Mortgage Brokers we used are really good as she said she has hardly seen any mortgage provider do things so fast. Billa agreed to it as he knows about financing and loans and properties a lot.

Thanks a lot again.

Have a great weekend.

Regards

Mona Madhalsha
10th December 2010