Learn More About NZHL
NZHL’s purpose is to help Kiwis achieve financial freedom, faster. And those aren’t just aspirational words that’s actually what we do.
About Us
NZHL are purpose-driven (financial freedom, faster) home loan and insurance advisers. We help over 50,000 Kiwis collectively save millions in interest costs each year by providing personalised service, smart home loan structures, and tools that put clients in control.
Plus, we can arrange an insurance solution to help you protect yourself and your financial freedom if setbacks occur. With around 70 locally-owned businesses right across New Zealand and over 25 years of 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.
With a loan book of over $7 billion, NZHL is now a Government-owned subsidiary of Kiwi Group Holdings (KGH) which is also the parent company of Kiwibank.
Our Purpose and Values - Financial freedom, faster for Kiwi’s
OUR VALUES:
1. Be Passionately Kiwi – We’re passionately Kiwi and proud to be local every single day.
- We’re passionate about the local communities we work in.
- We are local.
- We give back.
- We want financial freedom for Kiwis.
- We’re all about Kiwi creativity and innovation – that’s how we came to be!
2. Be Freedom Champions – We believe in creating financial freedom for our people and our clients.
- We believe in freedom.
- We are free thinkers and freedom creators.
- We love new ideas.
- Our challenges are our opportunities.
- We do things differently – our focus is freedom, not dependence.
3. Be Excellent Together – We’re better when we drive excellence together.
- We’re in this together.
- Excellence is our normal.
- We’re known for doing the right things always.
- We operate always with integrity.
- We go above and beyond to deliver world-class results.
- We’re accountable.
- We learn and grow.
- We make potential reality.
NZHL timeline
1996
NZHL Established
New Zealand Home Loans founded by two Hamilton Businessmen.
1997
Offices Open
NZHL’s first Auckland and South Island office open.
2009
Lending Milestone
$3 billion of total lending.
2012
NZHL acquired by Kiwi Group Holdings (KGH)
New Zealand Home Loans is purchased by Kiwi Group Holdings (owned by the NZ Government and also the parent company of Kiwibank).
2013
NZHL Wins at Deloitte Fast 50
NZHL wins Fastest Growing Mature Business (Central North Island) and Fastest Growing Services Business.
2015
NZHL XRACE Sponsorship
NZHL becomes a proud partner with XRACE.
2018
20,000 Clients
NZHL celebrate 20,000 clients
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NZHL
With NZHL you’ll have a dedicated consultant, committed to making the process as easy as possible, so you can start saving sooner.
Discover How EasyRefinancing Your Mortgage
Lower rates are great, but are smart structure is better. Talk to us about refinancing to reduce the interest you pay.
Start RefinancingOur People
Our Difference
Our personal consultants set NZHL apart. They care, they listen and they’re always there to help when you need them.
Meet Our People