Rating based on 45 reviews

NZ Home Loans


  • Home loans up to $200,000
  • Low-interest starting from 4.69%
  • Repayment up to 7 years

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NZ Home Loans homepage

Author NZ Home Loans. Screenshot of NZ Home Loans website. [Accessed September 3, 2021]

About NZ Home Loans

New Zealand Home Loans has been providing home loans and insurance since 1996.

We have helped our clients to pay off their mortgage well before the term and to save over $27,000,000. We are a top home loan company with loan volume exceeding $4 billion. We have more than 70 offices across the entire country.

We assist our clients with creating wealth

We offer financial solutions which are highly customised to meet their individual needs. We achieve exceptional results and we are recognised for this. In 2012 and 2013, our company won the Deloitte Fast 50 Award for the mature business achieving the fastest growth. In 2013, it was given the Waikato Business Supreme Award for Business of the Year.

NZ Home Loans Services

As a home loan and insurance provider with over 15 years of experience in the industry, New Zealand Home Loans has built a solid reputation among its clients and in the business world as a whole.

Our award-winning service is designed to help New Zealanders save on the interest rates which they pay on home loans and to repay their debt early so that they can achieve the financial goals which they have set for themselves.

We can give you stability and certainty

Our customers are currently saving over $29 million on interest and enjoy shorter mortgage terms. You can achieve this as well. For using our expert assistance, you can visit any of our 70 branches nationwide. You can get started on our website and apply for a loan online.

NZ Home Loans Home loan

  • Loan Type Home loans
  • Interest Rate 4.69 – 29.99% p/a
  • Loan Amount up to $200,000
  • Repayment 18 months to 7 years

Benefits of NZ Home Loans

  • Sustainable energy loan
  • Insurance options
  • Use your loan to become debt free

The New Zealand Home Loans process is simpler than ever to afford your own home!

Meet with one of our experienced consultants -The initial phase in the New Zealand Home Loans procedure is for you to take a seat with one of our advisors.

This initial stage may take to 2 or 3hrs as your expert will set aside an ideal opportunity to proceed with an intensive audit of where you are at present with your finances, what you'd like to accomplish and examine how New Zealand Home Loans could offer you some assistance with achieving your objectives and lessen your stress of obtaining a home loan speedier than you are right now.

Get expert advice and assistance with your home loan

Submit an online loan application and get an endorsement - The following step is to present your application. Your expert consultant will go over the application structure with you and will tell you what other documentation you have to supply. Once your application is submitted to our moneylenders you'll hear back from them within of 2-5 working days.

Deciding how to proceed with your home loan

When your quick loan is approved we'll additionally set you up with your own one of a kind mydebtnav.co.nz. All the monetary and spending plan data and any objectives or developments that we talked about in your introductory meeting will be entered and this will frame the terms of your arrangement.

Set up a budget and figure out how much you can lend for your next home

Utilizing mydebtnav you can help you set up your budget (spending plan), set objectives and after that keep tabs on your status utilizing day by day developments of your home credit account.

As a component of our obligation of consideration to you, once your application has been affirmed your specialist will then set up a complete Risk Management Plan for you and will meet with you to talk about it.

This is a commitment-free arrangement that will layout those protection items that we feel would be reasonable for you to consider to guarantee that your finances and family are securely insured.

Customer Reviews & Testimonials

NZHL is the ideal choice, whether you're a first - time buyer or looking into financing your second home. I am a real estate investor and forever looking for the next best investment opportunity....

Shaun K
— Napier —

When our roof unexpectedly caved in due to water damage, I didn't have the money to repair the damage. I considered using my credit card, but my friend suggested giving New Zealand Home Loans a c...

Neil C
— Hamilton —

NZ Home Loans Contact

Physical Address

Postal Address

  • PO Box 161, 903 Victoria Street, Hamilton, 3204, New Zealand

Opening Hours

  • Monday 08:00 – 18:00
  • Tuesday 08:00 – 18:00
  • Wednesday 08:00 – 18:00
  • Thursday 08:00 – 18:00
  • Friday 08:00 – 18:00
  • Saturday – Closed
  • Sunday – Closed