Profile
“My strongest professional quality is my ability to build trust and long-term relationships, whether with clients, colleagues, or stakeholders”
Danny Ibrahim,
KeyRate Mortgage
Under the leadership of founder and director Rajat Aggarwal, All Seasons Mortgage is celebrating a milestone year. The firm was recently named an Excellence Awardee for Brokerage of the Year 2025, while Rajat himself earned a place among NZ Adviser’s Top 25 Brokers. These recognitions reflect not just professional success but Rajat’s unwavering commitment to helping Kiwis make confident, informed financial decisions.
With a client-first philosophy, Rajat has built All Seasons Mortgage on a foundation of trust, education and accessibility. “We believe in empowering our clients through knowledge,” he says. “We encourage them to ask questions and gain a thorough understanding of their financial options, ensuring they feel confident in their decisions.”
From first home buyers to seasoned investors, Rajat works closely with clients to tailor solutions that align with their goals, whether refinancing, building or purchasing a new property. His ability to connect on a personal level, while offering expert guidance, sets him apart in a competitive market.
Looking ahead, Rajat remains focused on innovation and ongoing support. With his leadership, All Seasons Mortgage continues to grow as a trusted partner – guiding clients through every financial season with care, clarity and proven results.
6 Parkhaven Drive, Papakura
0221 550 555
rajat@allseasonsmortgage.co.nz
linkedin.com/in/rajat-aggarwall-b922b9314/
allseasonsmortgage.co.nz
Rajat Aggarwal
Director and Financial Adviser
All Seasons Mortgage
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Bio
Milestones
Profile
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Bio
Milestones
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Bio
Milestones
“I’ve always believed that if you love what you do, you’ll never settle, and that attitude has guided every decision I’ve made”
Danny Ibrahim,
KeyRate Mortgage
2022
2025
2019–2020
Present
2025
Founded All Seasons Mortgage
2022
All Seasons Mortgage – Named Brokerage of the Year (1–5 Staff) – Excellence Awardee
All Seasons Mortgage – Expanded services to include Insurance and KiwiSaver
2025
Senior Associate – Commercial at Bank of New Zealand
2019–2020
Mortgage Adviser at Vega since 2020
Present
Founder and Principal Adviser of Wealth One Financial Services
Associate Member of the Retirement Villages Association
2025
Assistant Vice President and Senior Broker at MJ Hall & Company since 2018
Present
Milestones
Aug 2022
Milestones
Sept 2021
Feb 2022
Apr 2022
Jul 2022
Aug
2022
Suncorp Bank introduces Solar Home Bonus offer for customers who are choosing renewable energy for their homes
Sept 2021
Month-on-month market share growth commences
Feb 2022
Suncorp Bank wins the Canstar award for most outstanding value in investment loans
Apr 2022
Suncorp Bank wins Money Magazine’s Bank of the Year and Business Bank of the Year awards for the fifth year in a row
Jul 2022
Suncorp Bank’s turnaround times are the lowest they have ever been. The lender becomes Australia’s first certified carbon neutral bank for both its operation and transaction services
Aug 2022
Milestones
As a founding member of WOW! (Women. Opportunity. Winning.), an employee resource group created for all women of Ryan Specialty, Phillips Topping has long championed for women in the industry.
“It’s very important to set an example and to not only inspire but mentor other females,” she adds.
In addition to her sharp marketing eye, the key to Phillips Topping’s success lies in her high-energy approach and positive attitude.
“As the leader of a team, it’s important to motivate and encourage your team members. People work very hard and do their best and it’s important to recognize these efforts. For my career overall, my attitude has been one of curiosity. The more you can learn, the better you’ll understand the business, and then the deeper your knowledge will become, making you a better team member.”
Chief underwriting officer of executive risk at Chubb
President of financial insurance solutions at Kemper
Chief underwriting officer at Axis Capital
CEO of global Insurance at Endurance
CEO of global Insurance at Sompo International
A significant part of his focus today is staying ahead of regulatory change while maintaining a seamless client experience. He tracks updates from regulators and lenders closely and works with his teams to adjust systems as needed.
“My approach to my role and my career has always been rooted in passion, focus, and a relentless pursuit of excellence,” he says. “I’ve never been driven solely by profit or business metrics. I believe in hiring great talent, trusting them, and pushing boundaries because innovation doesn’t come from playing it safe.”
His experience isn’t limited to Canada. Ibrahim has worked in the US and UAE, which shaped his global perspective and comfort with adapting to different markets. He thrives on risk, viewing setbacks as stepping stones to progress.
“I’ve always believed that if you love what you do, you’ll never settle, and that attitude has guided every decision I’ve made,” he adds.
That outlook continues to guide his work and reflects his broader goal of helping move the industry forward. Through his brokerage, lending company, and legal services, Ibrahim is focused on creating long-term value for his clients, his teams, and others working in the field.