Couple getting personal advice from consultant

How to reach financial freedom, faster.

It’s all about NZHL’s smart home loan structure, the personalised service and coaching that supports you, and the tools that put you in control. Let a NZHL consultant help, you could take years off your mortgage.

It all sounds too good to be true! How does it work?

House icon representing mortgages

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.

Icon representing two people talking

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.

Line graph icon showing change over time

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.

House icon representing mortgages

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.

Icon representing two people talking

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.

Line graph icon showing change over time

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?

Meet Angela & Stephen

Transformed their personal and business finances

Watch how NZHL helped Angela and Stephen significantly reduce their household debt, allowing them to better focus on their business.

More Client Stories

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.

Discover the NZHL difference today, find your local consultant.
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