Financial News & Articles - Tips from the Experts

One of the most common misconceptions among Kiwis is that a 30-year mortgage is the only option for homeownership and that interest rates are the primary driver for reducing the term of your home loan. But at NZHL, we do things differently. In fact, it’s not unusual for NZHL clients…

How much can I borrow for a mortgage?

14 August 2024

Working out how much you can borrow for a mortgage can be a complex beast. Each of the banks may have slightly different ways in which they calculate your ability to service the loan and the level of risk they’re willing to accept. The best way to know your exact…

What is Refinancing Your Mortgage?

22 May 2024

A Guide for the Kiwi Homeowner We will cover: What is refinancing? How does refinancing work? Kiwi considerations Is refinancing right for you? Making the most of refinancing When you purchased your home, you likely took out a mortgage. That mortgage reflects the circumstances when it was created – from…

What to Ask a Mortgage Broker

17 May 2024

A Guide for the Kiwi Home Buyer Are You Looking to Buy a Home in New Zealand? That’s great! Purchasing a home (be it for the first time or the fifth time) is always a landmark moment. Every home ownership story is unique – but the one thing they all…

Do Mortgage Brokers do a Credit Check?

18 April 2024

Demystifying the Mortgage Process for Kiwi Home Buyers Applying for a mortgage can be overwhelming – that is why many homebuyers utilise mortgage brokers or NZHL Mortgage Mentors – experts who liaise between borrowers and lenders. These professionals help find the right loan for your needs and guide you through…

When to Refinance your Mortgage

8 April 2024

A Guide for the Savvy Homeowner Refinancing your home loan can be a smart strategic move that offers a range of benefits, including saving money, accessing equity, and customising your loan to meet your evolving needs. It can even help you reach financial freedom, faster. Getting the right advice is…

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