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.

Mother gardening with her child

About Us

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 insurance 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 20 years plus 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 an 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.

Couple with their child playing in a box

Our Purpose and Values

OUR PURPOSE:  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 Kiwi’s.
  • 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

Switch to
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 Easy

Refinancing Your Mortgage

Lower rates are great, but are smart structure is better. Talk to us about refinancing to reduce the interest you pay.

Start Refinancing

Our 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

Switch to
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 Easy

Refinancing Your Mortgage

Lower rates are great, but are smart structure is better. Talk to us about refinancing to reduce the interest you pay.

Start Refinancing

Our 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
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