30 years!
That's the length of a standard home loan.
So, if you’d taken out a standard 30-year mortgage around the same time NZHL first opened its doors, you could be celebrating your final repayment right about now.
Over that same period, we’ve helped clients with $30 billion in home loans collectively.
Today, we support 47,000 clients with their mortgages, insurances and KiwiSaver.
Our clients have almost 24,000 mortgages. In the 12 months to June 2026, NZHL clients collectively paid $527 million more towards their mortgages than their scheduled repayments, helping them to pay off their mortgage faster.**
And, over the last 12 months, NZHL clients have collectively saved more than $69 million in interest costs compared to borrowing at advertised bank interest rates.
All that before we hit middle age.
Not bad for a 30-year-old.
Speaking of middle age, turning 30 has us thinking about the perfect mid-life crisis.
Back in the day, having one was easy. You’d buy a Harley, bleach your hair, and ride off into the sunset to “find yourself”.
These days, you’re more likely to find yourself comparing power bills and wondering if you can justify buying guacamole.
Fortunately, helping Kiwi make better use of their money is what we’ve been doing for the last 30 years. Helping people pay off their mortgages sooner and get more out of life along the way.
But for one lucky winner, we’re helping to fund their mid-life crisis…
We're giving away
to one lucky winner. To spend on whatever kind of crisis you'd like.
- A garage full of new hobbies.
- A boat you’ll definitely use every weekend.
- A holiday that somehow turns into three.
- A coffee machine that costs more than your first car.
Or something completely unnecessary.
No judgement from us. It’s our birthday, after all.
ENTER HERE for your chance to win $30,000*.
About NZHL
NZHL is a financial adviser network who has been helping Kiwi take control of their finances and make better use of their money. We specialise in home loans and personal insurance.
Over the last 12 months NZHL clients across New Zealand have collectively saved an average of $5.8 million in interest costs each month (compared to borrowing at advertised bank interest rates).
Our approach combines personalised advice, smart mortgage plans, ongoing coaching and DebtNav, a debt monitoring tool that puts our clients in control and make confident decisions about their future.
Insurances arranged by NZHL is about sensible protection, tailored around our clients, their income, obligations, and budget.
Plus, we have referral services for KiwiSaver and Home, Contents and Vehicle insurance so you can get expert guidance and feel confident about your future.
Our approach is simple. We help clients create a plan, stay on track, and adapt as life changes.
It’s an approach that works, with 80% of clients saying they feel in control of their current financial situation.***
That can make a real difference over time.
In the example above, a NZHL client could save $462,085 in interest and become mortgage-free 12 years sooner than with a standard 30-year mortgage.****
Because the goal was never the mortgage itself.
The goal was always the life around it.
And while we’re celebrating our 30th with a midlife crisis giveaway, helping Kiwi get ahead is still what gets us out of bed each morning.
Client stories
**Based on additional repayments made on NZHL arranged mortgages with KiwiBank and ASB from 1 July 2025 to 30 June 2026.
***Based on the 2026 Client perception survey of 3,922 respondents.
****Calculated based on a mortgage of $525,000, a net annual household income of $105,357 (with a 3.5% KiwiSaver contribution) and monthly household expenses of $3,529 (excluding mortgage, taken from stats.govt.nz), and an interest rate of 6.85%. The calculator is intended to provide an indication only.