New Zealand's #1 source for independent mortgage information.

Make your best mortgage decision with balanced insights.

Tailored information for every type of buyer

Explore your step-by-step resource of what lies ahead for you, as well as tips for achieving your property goal with less stress. View all the ‘best bits’ from our Learning Centre, carefully curated for every type of buyer. 

Buying your first home is a journey with many steps. Each step is easier when you understand the whole process.
When it’s time for a bigger, better or different type of house, it helps to get up-to-speed with current best practice.

Investing in property is the Kiwi way to build wealth and pay for retirement. We’ll help you to hit the ground running.

The home loan market never stands still, so it’s important to regularly review your situation with a view to improvements.
When you’re building a home from scratch or renovating an existing property, financial planning needs to be spot on.

Get a financial adviser on your side.

It’s easier to navigate the New Zealand home loan landscape when you have a financial adviser helping you along. Through us you can get connected to a qualified mortgage adviser. Here’s why it’s good idea:

Why should I use an adviser?

More New Zealanders are choosing to work with an adviser, rather than deal directly with a lender, because it saves them time and helps to ensure they pay less interest. Here’s why getting an adviser is a good idea:

Frequently asked questions.

We want you to get the best answers to your questions about property financing, so that you can communicate easily with lenders and mortgage brokers. Our answers are neutral, because we’re not trying to sell you something. By sticking to the facts, we help you to make up your own mind about what to do next.

No. We provide you with information about mortgages and your potential ability to afford one. We do not arrange your loan or provide you with financial advice about what lender to use, how to structure a loan to meet your specific needs or the risks of borrowing the amount you want to. However, we can link you to a professional mortgage adviser who can help with those things.

A good mortgage broker should know all the lenders, interest rates and fine print. They can help you to identify which mortgage deals will be the most appropriate for you and your circumstances.

Find out more »

Change is constant, so every now and then you should review your mortgage arrangements to see if there’s a better deal going. It might mean changing lenders or restructuring your loan with your existing lender.

Find out more »

No. We provide you with information about mortgages and your potential ability to afford one. We do not arrange your loan or provide you with financial advice about what lender to use, how to structure a loan to meet your specific needs or the risks of borrowing the amount you want to. However, we can link you to a professional mortgage adviser who can help with those things.

A good mortgage broker should know all the lenders, interest rates and fine print. They can help you to identify which mortgage deals will be the most appropriate for you and your circumstances.

Find out more »

Change is constant, so every now and then you should review your mortgage arrangements to see if there’s a better deal going. It might mean changing lenders or restructuring your loan with your existing lender.

Find out more »

A revolving credit mortgage is like an all-in-one bank account with a big overdraft facility. You can draw down a loan, put money in and take it out whenever you like, provided you don’t exceed your limit.

Find out more »

An offset mortgage lets you use money in another account (savings or everyday) to reduce the balance of your mortgage when it comes to calculating the interest charged. The money stays in its own account and is available as usual.

Find out more »

An interest-only mortgage means your regular weekly, fortnightly or monthly payments only include the interest charged. So you don’t repay any of the money you borrowed (known as the principal) until the end.

Find out more »

A revolving credit mortgage is like an all-in-one bank account with a big overdraft facility. You can draw down a loan, put money in and take it out whenever you like, provided you don’t exceed your limit.

Find out more »

An offset mortgage lets you use money in another account (savings or everyday) to reduce the balance of your mortgage when it comes to calculating the interest charged. The money stays in its own account and is available as usual.

Find out more »

An interest-only mortgage means your regular weekly, fortnightly or monthly payments only include the interest charged. So you don’t repay any of the money you borrowed (known as the principal) until the end.

Find out more »

Check out the latest mortgage rates.

Are you on the best mortgage rate? See a daily snapshot of the advertised rate from many of New Zealand’s top lenders. The rates have been grouped into different lender types. You can also sort the entire list of options by rate.

Calculators to get you there.

Whether you need a mortgage calculator to work out your borrowing power, mortgage repayments or some help budgeting to work out what you can afford, you’ll find them here. Start with the budget planner, then assess your borrowing power and finally work out what your mortgage repayments would be.

Budgeting is the best way to steer your finances, stay in control and prepare for managing your mortgage.
Work out how much you could borrow based on some quick questions about your current financial situation

Get an estimate of what your repayments could be, based on your mortgage amount, term and interest rate.

We work with awesome.

Our purpose is to provide reliable insights and information to help people find the best home loan for their situation. But there’s more to property ownership than that, so we’ve also formed partnerships with trusted providers of property listings, market data and expert commentary.
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