Have a mortgage & a life
A mortgage shouldn’t mean putting life on hold. At NZHL, our purpose is to help Kiwis achieve financial freedom faster — so you can enjoy what matters most, while paying off your home.
With our unique structure, personalised support, and online monitoring tools that put you in control, you’ll have everything you need to make real progress. And with your local NZHL Mortgage Mentor by your side, you’ll get tailored coaching to help you reach your financial goals faster.
Let’s help you get ahead, so you can focus on what really matters: living life on your terms.
It all sounds too good to be true! How does it work?
A Smart Home
Loan Structure
We’ll help you structure your mortgage to make the most of your income and savings, reducing your daily interest costs in the process. We call this channelling.
One to One
Personalised Service
As part of getting your smart home loan structure set up, we'll help you identify your financial goals and then check-in regularly on your progress.
Let us Help you
Take Control
We’ll provide our unique DebtNav tools and support to help you effectively manage your smart home loan structure.
A Smart Home
Loan Structure
We’ll help you structure your mortgage to make the most of your income and savings, reducing your daily interest costs in the process. We call this channelling.
One to One
Personalised Service
As part of getting your smart home loan structure set up, we'll help you identify your financial goals and then check-in regularly on your progress.
Let us Help you
Take Control
We’ll provide our unique DebtNav tools and support to help you effectively manage your smart home loan structure.
Make an informed decision with DebtNav
DebtNav is NZHL's unique and visual online tool, that allows you to plan, monitor and review your progress towards financial freedom, faster. By adding in goals like a car, holiday or even an investment property, you can see what impact that has on your finances and end goals and make informed decisions around timing and purchase.
Still don't believe us?
Frequently Asked Questions
Why should I choose NZHL?
NZHL genuinely helps clients achieve financial freedom, faster. In fact we often have clients who pay off their mortgages more than 10 years sooner.
It’s all about the personalised service and continuous coaching, smart home loan structure and tools that put you in control.
My bank already offers an offset account, how is NZHL different?
Generally, banks offset your money from multiple accounts. Some clients find it difficult to track multiple accounts and figure out how much interest is being charged or offset.
At NZHL, we offer a much simpler mortgage structure which still uses your income and savings to reduce your daily interest costs.
Will I have to pay break fees to shift to NZHL?
That depends on your bank and current loan structure. Break fees (if any) can change on a daily basis. Get in touch with a one our consultants who can provide you with the best way forward.
Should I shift all of my banking to NZHL?
Yes – but you can still have accounts open elsewhere, although it works best by moving everything across.
Do I get an eftpos card to use like I do with my current banking
Yes, you’ll get an eftpos card that you can use as normal.