Start your Journey to Financial Freedom Faster with a Home Loan Arranged by NZHL

Our clients save tens of millions of dollars in interest costs every year. Book a chat with our local Mortgage Mentor to see what could be possible for you.

First Home Loan

We know buying your first home is a big deal. While we might not come and pack your boxes for you, we love helping people through the process.

Whether you have questions about your deposit, your application, or what you can realistically afford our local Mortgage Mentors are here to help.

And, if you’re not quite ready to purchase, it’s never too early to come in and see us, we can help you set a plan to prepare. We are also proud to partner with Kainga Ora to arrange the “First Home Loan” for our clients*.

*Subject to lending criteria

What to expect when buying your first home with NZHL

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Personalised
Service

We’ll help you navigate the home loan process and keeping supporting you with regular reviews for the life of your loan.

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Financial Freedom,
Faster

Our smart home loan structures are tailored to help you achieve your financial goals and get ahead faster.

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Tools That Put
You In Control

Plan, monitor and review your progress with our online tool Debtnav.

Icon representing two people talking

Personalised
Service

We’ll help you navigate the home loan process and keeping supporting you with regular reviews for the life of your loan.

Icon of clock showing debt calculation

Financial Freedom,
Faster

Our smart home loan structures are tailored to help you achieve your financial goals and get ahead faster.

Icon representing graphical tools

Tools That Put
You In Control

Plan, monitor and review your progress with our online tool Debtnav.

Buying your first home? Check out our first home buyers guide.
Couple with their child playing in a box

Second Home Loan

For some financial freedom looks a little like moving homes or maybe even buying a second property.

Whether you’re upsizing, downsizing, looking at bach or buying an investment property, NZHL is here to help you with your mortgage.

Here's how we can help you into your next property

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Upsizing or
Downsizing

Whether you are looking to scale up, down, or change locations our Mortgage Mentors can show you a better way to make the most of your next purchase. Let’s chat.

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Buying an Investment
Property

Grow your property portfolio, not your stress levels.
Let us help ensure you’ve got a smart home loan structure to support your investment.

New House Icon

Buying a Holiday Home,
or Bach

Dreaming of Kiwi summers at the bach?
Enjoy the now and leave a legacy. Our smart home loan structures can help you make it work. Let's chat.

Icon representing a first home

Upsizing or
Downsizing

Whether you are looking to scale up, down, or change locations our Mortgage Mentors can show you a better way to make the most of your next purchase. Let’s chat.

House icon representing money being borrowed

Buying an Investment
Property

Grow your property portfolio, not your stress levels.
Let us help ensure you’ve got a smart home loan structure to support your investment.

New House Icon

Buying a Holiday Home,
or Bach

Dreaming of Kiwi summers at the bach?
Enjoy the now and leave a legacy. Our smart home loan structures can help you make it work. Let's chat.

Looking for smarter ways to manage your mortgage?

Switching to NZHL

With NZHL, you’ll have a dedicated Mortgage Mentor committed to making the process as easy as possible, so you can start your journey toward financial freedom faster.

Want to protect yourself? and your financial freedom?

Frequently Asked Questions

What is channelling and why is it important?

The key to NZHL’s smart home loan structure lies in what we call channelling. This is where your income and savings are channelled through your home loan account to reduce your daily interest costs.

How much deposit do I need?

First home buyers need a deposit of at least 5%, with 20% or more being the optimum. Remember that this can be made up from a KiwiSaver first home withdrawal, and some first home buyers may also be eligible for a Kainga Ora First Home Loan.

What other costs do I need to factor in?

As well as a deposit, below is some guidance on other costs to consider:

  • Legal fees – these can vary depending on how complicated the sale and purchase process is.
  • Builder’s report – fees vary, shop around but ensure you’ve got someone reputable.
  • LIM report – usually between $200 and $400 although some sellers may provide this information up front to buyers.
  • Registered valuation – a valuation may be required in order to confirm your finance, expect to pay extra for this.
  • Moving costs.
Can I withdrawal my Kiwisaver?

KiwiSaver advise that in order to withdraw from your KiwiSaver account you must:

  • Be purchasing your first home;
  • Have been a member of KiwiSaver for a minimum of three years;
  • Have your KiwiSaver account with a KiwiSaver provider that allows saving withdrawals;
  • Intend to live in the property for at least six months

We recommend that you contact your KiwiSaver provider and check their individual policy on withdrawals for first homes. If you are eligible to withdraw money from your KiwiSaver, you may also be eligible for a first home grant of up to $10,000 per person from Kainga Ora.

Why does the size of my deposit matter?

Generally speaking the bigger your deposit the better, as this can effect your interest rate and other fees. Not to mention the lifespan of your loan.
That said everyone has to start somewhere – so your best bet is to get in touch with an NZHL consultant today.

Meet Billy & Amelia

On track to reduce their mortgage term by 18 years

Watch how NZHL has helped Billy & Amelia fulfil their investment property goals while still having a parent at home with the kids.

See more client stories here
See how much you could save on your mortgage with our home loan comparison calculator.