I recommend Raman at R Jay finance. Why you may ask? I judge a man by what he says first and whether his actions back that up. 5 stars from me
FAQ's
We provide Mortgages, Insurance, Debt-Consolidation Loans, and more.
We will not charge you in most of the cases as R Jay Finance is mainly paid by Banks and Insurance companies. However, in some cases we do charge a professional fee but we will inform you in written before we proceed with the application.
Our Mobile Advisers are happy to meet with you whenever and wherever is convenient to you: anywhere in the Auckland area – whether it be in the evening after work, at home, over the phone or via email. Our job is to make getting a loan and insurance as easy for you as possible!
R Jay Financial Services will arrange for one of our experienced and friendly Advisers to meet with you, saving you the time and inconvenience of visiting banks and lenders to find the best mortgage deals. Our Adviser will look at your financial situation, determine what exactly you want from your home loan and strive to find you the best product to suit your needs.
R Jay Financial Services has a team of experienced professionals who can explain every part of the process to you. Many of our clients choose our services because they don’t feel confident negotiating with the banks and want someone to do so on their behalf. Our aim is to make sure you understand the terms of your loan and are satisfied with these.
Our Experts will help you to pay the loan faster by restructuring your current loan. We will work together with you to devise a mortgage reduction plan that will help you own your home sooner by saving you interest rates and reduce the time of your Mortgage.
Your R Jay Finance Adviser will help you complete the forms for your loan application. We will professionally package your application with all the supporting evidence and lodge it with your chosen lender.
No, We’ll take the hassle out of the application process by managing it on your behalf – right through to settlement. We will help you with any questions that you may have and, if there are any problems, we’ll chase up the lender for you.
Yes, all R Jay advisers are RFA (Registered Financial Adviser). This means we can offer advice on mortgages (first time home buyer mortgages, refinancing mortgages, etc), personal loans (debt-consolidation loans, renovation loans, etc), and insurance (life insurance, health insurance, etc). We are happy to provide you with a disclosure statement on request.
Our Privacy Policy ensures that any personal information collected by us will be used only for the purpose indicated. We will not give your personal information to any other organisation for any other purpose.
The concept itself is simple – you pay off your existing mortgage and take out a new one. What isn’t so simple is finding favourable terms for this type of financing. That is where our team of Mortgage Advisers comes in. With our expertise on your side, you will get the best refinancing interest rates. R Jay Financial Services Advisers will guide you along the process.
- Home mortgage refinancing will often lower your monthly or fortnightly mortgage payments by get lower interest rates.
- Pay down your mortgage faster by lowering the interest rate but keeping your payments the same.
- A home mortgage refinance can allow you to take equity out for debt consolidation, investments, vacation.
- Refinancing investment properties for better cash flow.
- Refinancing multiple mortgages (first, second, third) to a lower first mortgage rate.
Many lenders offer a wide range of products – fixed rates, variable rates, and so on. Ask our Advisers to explain to you the relative pros and cons of these products so that we can find the right mortgage deal for you.
Your R Jay Finance Adviser will be able to give you an estimate of the rate we believe you should be paying. This is just an estimate and will be subject to the approval in principal from the lender once we have submitted your deal.
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I just love the service they provide. Raman is very dedicated and humble. Always ready to help and get things in your favor.
Thank you Ramon and Team for the top service to get loan approved for our first home. I would highly recommend your service to my friends in future. And really appreciate the efforts you put for your customers. Keep up the good work.
We are hugely grateful to Raman for his commitment and solid advice, both financially and in relation to purchasing our first property. His input has been invaluable to us .He would inform us of every possible option and was very thorough with his explanation. We would recommend Raman to anyone and couldn’t have done the process without him. Thanks so much for your help Raman.
What an amazing team. Raman and his team surely care about their customers and go the extra mile for them. Well done RJay Finance...you guys are brilliant
Raman, along with his team members were phenomenal. From my first contact with Raman and R.J finance I was impressed. They all worked very hard to help me buy our first home. The entire process from initial application to loan closure was smooth, quick, and easy to understand. They explained anything we had questions on and made us feel like their number one priority! We will definitely use R.J finance in the future for any mortgage needs ! Also I would definitely recommend anyone to you. Thanks!
Excellent service! Very prompt response and great follow up. Highly Recommended.
Probably one of the best place to get complete solution. Very helpful team well done Raman and the team.
Brilliant service provided by Raman. I am really happy with his services. I would love to recommend to other people.
Awesome service by R Jay Financial Services. Raman helped us to sort out our mortgage and guided us at every step. Will look forward to use their other services in future. Would highly recommend to all.
Came to know about RJ Finance through one of our friend. Booked an appointment about out Mortgage, they were very professional and helped us right through and fixed our Home Loan at really good rate . We end up getting content insurance,life insurance through them as well and saved $$$$. Won IPad in one of their promotion. Thank you for your exceptional service.
Awesome job by Raman by sorting out our mortgage and getting us in our first home. We trust Raman with all of our family mortgage and insurance needs. You made this experience absolutely comfortable. R Jay Financial Services Ltd. team made my experience really comfortable by taking care of all my financial needs. Highly recommended to all
Absolutely love Raman's service...always on time and always efficient & helpful. Raman answers every query with honesty & explains everything in detail. He manages our mortgage and insurance and we couldn't be anymore satisfied. Highly recommend RJ Finance.
Awsome service provided. These guys are 2nd to none. We are definitely getting our next mortgage from Raman and team, again and again.
Very easy to deal with R Jay Financial Services Ltd. One of the best Company in Auckland
Great job done regarding our insurance and I am happy to recommend Raman to my families and friends. 5 stars from my side.
Had excellent service, very friendly and easy to work with.
Awesome service better than most companies I have used. Recommended to everyone
Raman is a very reliable person, very informative and goes out of his way to sort your every issue . Excellent service
awesome company and very good person. great services and experience man with a very good attitude..
Professional and honest opinion. 5 Star service.
Let our experts shop around for you and save you time and money. To Maximize your Investment
Raman Chauhan
Raman Chauhan started R Jay Financial Services Limited in July 2012, his main motive is to create the awareness that in the outer world or Mortgage and Insurance there are heaps of option available to the people which he proved right with this services and skills. With 7 years of combine experience in insurance and mortgage industry he knows all the in and outs of the business.
Since he started R Jay Financial services he never looked back and his business become highly successful business with the vast number of clients joining their ever so expanding client base.
Raman Chauhan started from Wanganui and then he moved to Auckland to grab the bigger share of market and to explore his opportunities.
Very informative and helpful person, you will love to talk to Raman about any of your needs regarding Mortgage and Insurance, I bet you will remember that life changing conversation.
Raman Chauhan is specialist in Home loans, Business loans, Commercial loans and all Personal Risk insurance like Life, Trauma, Health, Income and Mortgage protection Insurance.
- Email: raman@rjayfinance.co.nz
- Mobile: 0211509413
- Landline: 09 281 2866
Chandni Singh
Chandni joined R Jay Finance team in March 2017 after a year exploring and learning New Zealand Culture. She uses her Master Degree to keep things running smoothly by her dedication. She has a passion to serve the people and knows all the in and outs about the customer experience. She brought her previous 3 years’ human resource experience and skills with her to the R Jay Finance Team. So, she knows what she is talking about.
She got into insurance and mortgage services to make a business better than the back of her hand. She is very bubbly personality and the one you will like to talk to about your needs.
She is specialist in Life, Trauma, Health , Income protection and Mortgage protection Insurance.
- Email: chandni@rjayfinance.co.nz
- Mobile: 022 361 5502
- Landline: 09 281 2866
Neha Taneja
Neha Taneja joined R Jay Finance team in January 2017 and have been learning the best in the business. She brings her previous five years experience of working as a Finance Analyst at PWC. With her experience and skills, she is providing best services to our clients.
She is performing administrative duties but the main role is to assist clients to provide them with best solution for Mortgage and Insurance. She is the one who assist your inquiries, setup meetings and contact clients with information regarding their queries.
She really enjoys working in her role and help the clients with the queries and provides information with smile on her face.
- Email: neha@rjayfinance.co.nz
- Mobile: 027 909 2937
- Landline: 09 281 2866