Data-driven insights for homebuyers, refinancers, and equity builders.
Buying your first or next home
Lower your rate or change terms
Borrow against your home's value
Flexible credit line on your equity
Credit assessment based on income and overall financial situation
APR
9.95–29.95%
Term
3–84mo
Monthly
NZ$500–NZ$50k
Amount
NZ$500–NZ$50k
At least 18 years old
Regular income
Enough money left after expenses for repayments
APR
13.9%
Term
6–84mo
Monthly
NZ$3k–NZ$50k
Amount
NZ$3k–NZ$50k
APR
8.95–19.95%
Term
12–84mo
Monthly
NZ$2k–NZ$100k
Amount
NZ$2k–NZ$100k
Residential home loans typically need at least 20% equity
Residential investing lending typically needs at least 30% equity
First Home Loans can be available with at least 5% equity
APR
4.19–6.39%
Term
6–360mo
Monthly
—
Amount
—
APR
9.95–17.75%
Term
6–60mo
Monthly
NZ$1k–NZ$50k
Amount
NZ$1k–NZ$50k
NZ citizen or permanent resident
Regular income
Minimum age 18
APR
9.4–12.15%
Term
12–60mo
Monthly
NZ$5k–NZ$75k
Amount
NZ$5k–NZ$75k
APR
12.9–19.95%
Term
6–84mo
Monthly
NZ$2k–NZ$50k
Amount
NZ$2k–NZ$50k
APR
12.95%
Term
6–84mo
Monthly
NZ$2k–NZ$50k
Amount
NZ$2k–NZ$50k
APR
7.99–13.9%
Term
6–60mo
Monthly
NZ$2k–NZ$50k
Amount
NZ$2k–NZ$50k
NZ citizen or permanent resident
Regular income
APR
9.95–29.95%
Term
12–84mo
Monthly
NZ$2k–NZ$50k
Amount
NZ$2k–NZ$50k
APR
12.99–18.99%
Term
12–60mo
Monthly
NZ$2k–NZ$30k
Amount
NZ$2k–NZ$30k
NZ or Australian citizen
No defaults on credit file
Full-time or permanent part-time employment
APR
7.99–24.99%
Term
36–84mo
Monthly
NZ$2k–NZ$100k
Amount
NZ$2k–NZ$100k
NZ citizen or permanent resident
Age 18+
Regular income
APR
11.5–15.5%
Term
6–60mo
Monthly
NZ$1k–NZ$30k
Amount
NZ$1k–NZ$30k
APR
6.49–12.99%
Term
6–60mo
Monthly
NZ$2k–NZ$50k
Amount
NZ$2k–NZ$50k
APR
9.95–29.95%
Term
3–84mo
Monthly
NZ$500–NZ$50k
Amount
NZ$500–NZ$50k
APR
13.9%
Term
6–84mo
Monthly
NZ$3k–NZ$50k
Amount
NZ$3k–NZ$50k
At least 18 years old
NZ citizen, permanent resident, or Australian citizen
No defaults on credit file
APR
7.99–24.99%
Term
36–84mo
Monthly
NZ$2k–NZ$100k
Amount
NZ$2k–NZ$100k
NZ citizen or permanent resident
Age 18+
Regular income
APR
8.55–11.7%
Term
12–60mo
Monthly
NZ$5k–NZ$100k
Amount
NZ$5k–NZ$100k
APR
13.9–19.9%
Term
6–60mo
Monthly
NZ$2k–NZ$50k
Amount
NZ$2k–NZ$50k
