New Zealand's #1 source for independent mortgage information.
Tailored information for every type of buyer
Explore your step-by-step resource of what lies ahead for you, as well as tips for achieving your property goal with less stress. View all the ‘best bits’ from our Learning Centre, carefully curated for every type of buyer.
Investing in property is the Kiwi way to build wealth and pay for retirement. We’ll help you to hit the ground running.
Get a financial adviser on your side.
It’s easier to navigate the New Zealand home loan landscape when you have a financial adviser helping you along. Through us you can get connected to a qualified mortgage adviser. Here’s why it’s good idea:
- Advisers are paid by lenders, so their service to you is free
- You’ll save time, because the research is done for you
- You could get a better deal than what the banks are advertising
- Loan pre-approval is easier with an adviser to help
- Advice about loan structuring helps you to pay less interest
- You’ll get assistance with all the paperwork and admin
Why should I use an adviser?
- Advisers are paid by lenders, so their service to you is free
- All the home loan research is done for you
- You could get a better deal than what the banks are advertising
- Loan pre-approval is easier with an adviser to help
- Advice about loan structuring helps you to pay less interest
- You’ll get assistance with all the paperwork and admin
What does a mortgage broker do?
Getting a mortgage is a big deal. Where do you go to find the best lender for your circumstances? What criteria will you have to
Who pays a mortgage broker?
When it comes to choosing a mortgage broker or mortgage adviser, there are quite a few things to check out and carefully consider. This article
Is a mortgage broker really on your side?
You’ve probably heard there’s usually no charge to use a mortgage broker (mortgage adviser). That’s because they’re paid a commission by the lender you end
Frequently asked questions.
No. We provide you with information about mortgages and your potential ability to afford one. We do not arrange your loan or provide you with financial advice about what lender to use, how to structure a loan to meet your specific needs or the risks of borrowing the amount you want to. However, we can link you to a professional mortgage adviser who can help with those things.
A good mortgage broker should know all the lenders, interest rates and fine print. They can help you to identify which mortgage deals will be the most appropriate for you and your circumstances.
Change is constant, so every now and then you should review your mortgage arrangements to see if there’s a better deal going. It might mean changing lenders or restructuring your loan with your existing lender.
No. We provide you with information about mortgages and your potential ability to afford one. We do not arrange your loan or provide you with financial advice about what lender to use, how to structure a loan to meet your specific needs or the risks of borrowing the amount you want to. However, we can link you to a professional mortgage adviser who can help with those things.
A good mortgage broker should know all the lenders, interest rates and fine print. They can help you to identify which mortgage deals will be the most appropriate for you and your circumstances.
Change is constant, so every now and then you should review your mortgage arrangements to see if there’s a better deal going. It might mean changing lenders or restructuring your loan with your existing lender.
A revolving credit mortgage is like an all-in-one bank account with a big overdraft facility. You can draw down a loan, put money in and take it out whenever you like, provided you don’t exceed your limit.
An offset mortgage lets you use money in another account (savings or everyday) to reduce the balance of your mortgage when it comes to calculating the interest charged. The money stays in its own account and is available as usual.
An interest-only mortgage means your regular weekly, fortnightly or monthly payments only include the interest charged. So you don’t repay any of the money you borrowed (known as the principal) until the end.
A revolving credit mortgage is like an all-in-one bank account with a big overdraft facility. You can draw down a loan, put money in and take it out whenever you like, provided you don’t exceed your limit.
An offset mortgage lets you use money in another account (savings or everyday) to reduce the balance of your mortgage when it comes to calculating the interest charged. The money stays in its own account and is available as usual.
An interest-only mortgage means your regular weekly, fortnightly or monthly payments only include the interest charged. So you don’t repay any of the money you borrowed (known as the principal) until the end.
Check out the latest mortgage rates.
Are you on the best mortgage rate? See a daily snapshot of the advertised rate from many of New Zealand’s top lenders. The rates have been grouped into different lender types. You can also sort the entire list of options by rate.
Calculators to get you there.
Whether you need a mortgage calculator to work out your borrowing power, mortgage repayments or some help budgeting to work out what you can afford, you’ll find them here. Start with the budget planner, then assess your borrowing power and finally work out what your mortgage repayments would be.
