Check your chances of a home loan and get matched with a top adviser.

Use LoanMatch to quickly determine if you are mortgage ready. It helps you understand your likelihood of pre-approval and puts you on the pathway to home ownership.

The data we collect will be dealt with in accordance with our privacy policy and will be shared with the adviser we connect you with, with the ultimate aim of helping you to make a home loan application.

By proceeding, you accept our terms & conditions and agree to this use of your personal information outlined above and in our privacy policy, including to contact you via email about products and services that we think may be of interest to you. If you have any questions, please see our FAQs and our privacy policy.

See how you look to a lender

Answer a few questions about your deposit, income and the property you’re looking to buy. Our LoanMatch software will present you with your overall result of strong, medium or not quite ready.

Adjust your position if you can

If your result could be stronger, you can make adjustments to improve your situation. Things like getting a flatmate or working overtime could increase your income, while financial assistance from family could increase your deposit. Aiming for a lower value property could also help.

Get matched to a top adviser

We’ll match you to a number of advisers if your home loan potential is strong or medium. Find out more about your preferred adviser, check their availability and book in your meeting at a time that suits you.

Why should I use an adviser?

More New Zealanders are choosing to work with an adviser, rather than deal directly with a lender, because it saves them time and helps to ensure they pay less interest. Here’s why getting an adviser is a good idea:

Frequently asked questions.

We want you to get the best answers to your questions about property financing, so that you can communicate easily with lenders and mortgage brokers. Our answers are neutral, because we’re not trying to sell you something. By sticking to the facts, we help you to make up your own mind about what to do next.
LoanMatch uses an algorithm to assess your chances of getting a loan, based on current loan criteria for major home lenders. It’s the only tool of its kind in New Zealand and it costs nothing to use. LoanMatch can also take you to the next step with your plans, by offering you a choice of mortgage advisers who are matched to your location and needs.

If you get the ‘not quite ready’ result from LoanMatch, which suggests you won’t currently be approved for the loan you need, you can explore your inputs to find a solution. For example, you could adjust to a cheaper property, a bigger deposit or a higher income. If you aren’t able to change your result to medium or strong, don’t worry – we’ll look after you with our free nurture programme. You’ll receive online resources and tips that will help you to move forward.

Selling assets or receiving an early inheritance from family could grow your deposit. Getting a flatmate or working overtime could increase your income. A brainstorm with people you trust could reveal your path to a stronger financial position.
A positive LoanMatch result doesn’t guarantee lender approval. Our tool is designed only to provide a quick indication for you and your mortgage adviser. These calculations have been formulated through market research and in consultation with our adviser panel, based on data from recent home loan pre-approvals.
The LoanMatch formula is constantly monitored. We make changes to adjust for OCR announcements, bank serviceability increases and differing market conditions, via the latest adviser feedback.
Yes! When you’re getting into the New Zealand property market for the first time, using LoanMatch to understand your chances of getting a home loan can give you confidence to move forward. And if the result isn’t as good as you hoped, you’ll know what action you can take to improve your position.
LoanMatch uses an algorithm to assess your chances of getting a loan, based on current loan criteria for major home lenders. It’s the only tool of its kind in New Zealand and it costs nothing to use. LoanMatch can also take you to the next step with your plans, by offering you a choice of mortgage advisers who are matched to your location and needs.

If you get the ‘not quite ready’ result from LoanMatch, which suggests you won’t currently be approved for the loan you need, you can explore your inputs to find a solution. For example, you could adjust to a cheaper property, a bigger deposit or a higher income. If you aren’t able to change your result to medium or strong, don’t worry – we’ll look after you with our free nurture programme. You’ll receive online resources and tips that will help you to move forward.

Selling assets or receiving an early inheritance from family could grow your deposit. Getting a flatmate or working overtime could increase your income. A brainstorm with people you trust could reveal your path to a stronger financial position.
A positive LoanMatch result doesn’t guarantee lender approval. Our tool is designed only to provide a quick indication for you and your mortgage adviser. These calculations have been formulated through market research and in consultation with our adviser panel, based on data from recent home loan pre-approvals.
The LoanMatch formula is constantly monitored. We make changes to adjust for OCR announcements, bank serviceability increases and differing market conditions, via the latest adviser feedback.
Yes! When you’re getting into the New Zealand property market for the first time, using LoanMatch to understand your chances of getting a home loan can give you confidence to move forward. And if the result isn’t as good as you hoped, you’ll know what action you can take to improve your position.
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.

Find out more »

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.

Find out more »

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.

Find out more »

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.

Find out more »

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.

Find out more »

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.

Find out more »

 

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.

Find out more »

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.

Find out more »

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.

Find out more »

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.

Find out more »

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.

Budgeting is the best way to steer your finances, stay in control and prepare for managing your mortgage.
Work out how much you could borrow based on some quick questions about your current financial situation

Get an estimate of what your repayments could be, based on your mortgage amount, term and interest rate.

We work with awesome.

Our purpose is to provide reliable insights and information to help people find the best home loan for their situation. But there’s more to property ownership than that, so we’ve also formed partnerships with trusted providers of property listings, market data and expert commentary.

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. 

Buying your first home is a journey with many steps. Each step is easier when you understand the whole process.
When it’s time for a bigger, better or different type of house, it helps to get up-to-speed with current best practice.

Investing in property is the Kiwi way to build wealth and pay for retirement. We’ll help you to hit the ground running.

The home loan market never stands still, so it’s important to regularly review your situation with a view to improvements.
When you’re building a home from scratch or renovating an existing property, financial planning needs to be spot on.
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