Smarter Lending. Structured for Your Life.

Whether you are looking to refinance for better rates, buy your first home, or grow an investment portfolio, we provide data-driven advice to ensure your mortgage works for you -not the other way around.

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NOTE: The 1% 3 year rate shown in the ticker above is for qualifying energy loans only – not for standard lending.

Licenced Financial Advice Provider

Life-n-loans is a licensed Financial Advice Provide FSP #1009670
Kaushik Gorasia is a licensed Financial Adviser FSP #17301

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Tailored Lending Solutions

Refinance & Restructure

Life changes, and your mortgage should adapt with it. Whether you are looking to secure a lower interest rate, consolidate high-interest debt into one manageable payment, or release equity for home renovations, we will optimize your lending structure to fit your current reality.

Calculate my savings

First Home
Buyers

Step onto the property ladder with confidence. We guide you through the entire process, helping you understand your borrowing capacity and structuring a loan that fits your real-world budget.

Book a chat with Kaushik

Property
Investment

Leverage your equity to build a sustainable portfolio. We focus on smart loan structures that protect your cash flow and support your long-term property goals.

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Business & Commercial

Sourcing the right commercial funding structures to help your business expand, manage working capital, or acquire commercial property.

Optimise your commercial funding

Clarity through numbers

A competitive interest rate is important, but the right loan structure is what truly saves you money and reduces financial stress over time.

We use advanced financial modeling to analyze your cash flow, stress-test your options, and provide a clear, customized roadmap so you know exactly where you stand..

How much can I save?

Your Dedicated Lending Partners.

When you work with Life-n-Loans, you aren’t handed off to a call center or lost in a massive corporate firm. We are a tight-knit, boutique advisory team led by Principal Adviser Kaushik, built to give you direct, high-level strategic advice across the entire Auckland region.

Our advisers have their finger on the pulse of the Auckland property market, providing expert guidance no matter where in the city you are looking to buy, build, or refinance. Supported by Michelle managing our dedicated administration and back-office operations, we ensure every detail of your application is flawless, moving you swiftly from strategy to settlement.

About us

Kaushik is a trustworthy consultant, who we rely on for all our financial advice. He has looked after our mortgage and insurance needs for the last several years in a timely and reliable manner. We have also sought Kaushik and his firm’s advice on cash flow and business management for our restaurants- Sidart and Cassia in Auckland. I would recommend the services of Life-n-Loans in a heartbeat for all financial advice and management.

Chandni Auckland

I am writing this long over-due letter of recommendation for Kaushik Gorasia, mortgage broker extraordinaire! Kaushik came to us at a time that I became self-employed. Kaushik reached out to me when I was in ‘desperate’ mode, trying to find someone who would engage with the banks on my behalf. Kaushik spent a good deal of time walking us through the loan process so that we had a thorough understanding of what our next steps will be. His fees are low and believe me, he earns every penny of his fees–and then some! As the loan process rolls through the various stages, Kaushik keeps everyone updated on the loan status either by a phone call or email that is welcomed by all parties to the transaction! We are one HAPPY couple and would recommend Kaushik’s service any day.

Jan Auckland

Kaushik is a very aware and well-informed broker for home loans and insurance purposes. He made sure that I got the best product at the best rates possible and answered any queries promptly.

VirenAuckland

Ready to take control of your financial future?

Let’s sit down for a no-obligation chat to map out your borrowing potential.

Book your free strategy session