
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
Personalised
Service
We’ll help you navigate the home loan process and keeping supporting you with regular reviews for the life of your loan.
Financial Freedom,
Faster
Our smart home loan structures are tailored to help you achieve your financial goals and get ahead faster.
Tools That Put
You In Control
Plan, monitor and review your progress with our online tool Debtnav.

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
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.
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.
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.

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.
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 use my KiwiSaver to buy my first home?
KiwiSaver is a smart way to grow your savings for your first home or retirement. At NZHL, our referral service connects you with trusted KiwiSaver experts. They’ll help you choose the right fund, optimise your contributions, and guide you through the process, so you can feel confident that your future is in good hands.
To be eligible, you must:
-
- Be buying your first home
- Have been a KiwiSaver member for at least 3 years.
- Leave at least $1,000 in your KiwiSaver account after the withdrawal.
- Intend to live in the home for at least 6 months (it cannot be an investment property).
- Have your KiwiSaver with a provider that allows withdrawals for first-home purchases.
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.