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Guides to home lending, in plain English
Short, practical explainers on how NZ home loans actually work. No jargon, no sales pitch. Read up before you talk to a lender, or use them alongside a conversation with a broker.
Start with the big questions
Three guides that cover most of what first-time and returning borrowers ask us.
Pre-approval
How home loan pre-approval works
What lenders look at, what conditions mean, and why pre-approvals lapse.
Read the guideInterest rates
Fixed vs floating, explained
The trade-offs between rate types, and how splitting a loan can work.
Read the guideDeposits
Understanding your deposit
Where deposits come from and how lenders view them.
Read the guidePrefer to just ask someone?
A broker can answer your questions directly. It’s free, with no obligation, and we respond the same working day.