Home loans

Get sorted on mortgages and rising interest rates

Becoming a homeowner is the ultimate dream for many Kiwis.

Mortgages

Your home is likely to be the biggest purchase of your life, and a home loan your biggest financial commitment. Choosing the right loan and repaying it quickly can save you thousands of dollars.

Where to get a mortgage

There are dozens of companies providing home loans. Choose a lender on the key areas of interest rates, fees and services. Don't be swayed by prize draws or the like.

Glossary: interest rates

Types of mortgage

When you're choosing a home loan, there are two big decisions you need to make:

How much can I borrow?

You've probably got a rough idea of the sort of home you'd like, and how much you'll have to borrow to buy it. But will a lender actually lend you this amount?

Introduction to Mortgages

You’ll probably look at many places before you find the home you want to buy.