Expert NZ mortgage advice, tips for home buyers, investors and refinancers. New articles published regularly by Mortgage Time's Wellington-based advisers.
Advice & Tips
Featured Guide • 26 October 2026
Considering Kiwibank as a lender - products and benefits? Learn how its NZ home loan options, support and lending criteria may fit your plans when buying.
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Investment & Business
25 October 2026
Find the best mortgage lenders contractors can approach in New Zealand. See how income evidence, deposits and loan structure shape a stronger application.
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Investment & Business
24 October 2026
See a practical self employed loan example for New Zealand buyers, including income evidence, deposit, expenses and steps to prepare a stronger application.
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Refinancing
23 October 2026
New Zealand mortgage rate outlook: what may move fixed and floating rates, and how to choose a loan structure that fits your plans and budget safely.
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Advice & Tips
22 October 2026
When is preapproval required for a New Zealand home loan? See when to apply, what lenders assess, and how it helps you make a confident offer today.
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Advice & Tips
21 October 2026
Understand property purchase costs in New Zealand, from deposit and legal fees to rates, insurance and moving, so your home-buying budget holds up properly.
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Advice & Tips
20 October 2026
What is mortgage portability? Learn how moving a home loan works in New Zealand, the costs, lender checks and questions to ask before you buy a property.
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Advice & Tips
18 October 2026
Using inheritance for house deposit funds can put a first home within reach. Learn how NZ lenders assess gifts, probate, evidence and deposit strategy.
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Refinancing
17 October 2026
Mortgage calculators NZ can clarify repayments and borrowing power. Learn what to enter, what results mean, and when personalised lending advice helps.
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First Home
16 October 2026
Clear online mortgage advice for buying, refinancing or building in New Zealand, with lender options explained in plain English and a plan that suits you.
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Refinancing
15 October 2026
Our New Zealand home loan guide explains deposits, pre-approval, lending checks and loan structure so you can buy with clarity and confidence with ease.
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Investment & Business
15 October 2026
A business owner mortgage can be within reach. Learn what New Zealand lenders assess, how to prepare your income and make a stronger application today.
Read GuideOur Wellington-based advisers are here to help you find the right home loan — no obligation, no jargon.