Learn More About NZHL

NZHL is a home loan and insurance provider that approaches things a little differently.  We’re a purpose-driven (financial freedom, faster) organisation that saves Kiwi’s millions in interest costs every year.

We do this by providing personalised service with continuous coaching, a smart home loan and structure, and advisory support and tools that put clients in control, all 20,000 (and counting) of them!

With around 70 locally-owned businesses right across New Zealand and 25 years experience in the market, NZHL is a ‘Passionately Kiwi’ (that’s one of our values) business comprised of more than 300 people.

We were founded by Hamilton businessmen John Erkkila and Murray Ferguson in 1996, with a view that there had to be a better financial way for New Zealanders to get ahead and beat the traditional banking system, while also ensuring sufficient insurance protection.  And so, the smart home loan structure, supported by insurance protection was born.

Now with a loan book in excess of $6 billion, NZHL is a wholly-owned subsidiary of Kiwi Group Holdings (KGH).  KGH, also the parent company of Kiwibank, is owned by the New Zealand Government via New Zealand Post (53%), the New Zealand Superannuation Fund (25%) and ACC (22%).

While NZHL’s ownership structure has changed, our focus on helping Kiwi’s has not, with the original vision still running true in our service-led approach and focus on financial freedom, faster.