--- title: NZ Home Loan Blog --- [0800 030 646](tel:0800030646) - Search - [Contact Us](https://nzhl.co.nz/contact-us/) - [Find Us](https://nzhl.co.nz/find-us/) - [Client Login](https://nzhl.co.nz/login/) [![NZHL](https://blog.nzhl.co.nz/hubfs/Nzhl_January2019%20Theme/Images/logo-footer-nzhl.png)](https://nzhl.co.nz/) - [Home Loans](https://nzhl.co.nz/home-loans) - - [Change to NZHL](https://nzhl.co.nz/home-loans/switch-to-nzhl/) - [Buying your first home](https://nzhl.co.nz/home-loans/first-home/) - [Buying your next home](https://nzhl.co.nz/home-loans/next-home/) - [Interest rates](https://nzhl.co.nz/home-loans/interest-rates/) - [Home Loan calculators](https://nzhl.co.nz/home-loans/tools-calculators/) - [FAQ](https://nzhl.co.nz/about-nzhl/faq/) - - [How much could I borrow?](https://nzhl.co.nz/home-loans/tools-calculators/) - [Where's my nearest office?](https://nzhl.co.nz/find-us/) - [How much deposit do I need?](https://nzhl.co.nz/home-loans/first-home/getting-a-deposit/) - [Insurance](https://nzhl.co.nz/insurance) - - [Your Life](https://nzhl.co.nz/insurance/your-life/) - [Your Health](https://nzhl.co.nz/insurance/your-health/) - [Your Home and Car](https://nzhl.co.nz/insurance/your-home/) - [Your Income](https://nzhl.co.nz/insurance/your-income/) - [Request a quote](https://nzhl.co.nz/insurance/request-a-quote/) - [FAQ](https://nzhl.co.nz/about-nzhl/faq/) - - [NEW! 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[Read More](https://blog.nzhl.co.nz/articles/think-about-what-you-can-control-ii) #### [Think About What You Can Control...](https://blog.nzhl.co.nz/articles/think-about-what-you-can-control) - Mel Cadman - 13th of March 2020 [![](https://blog.nzhl.co.nz/hs-fs/hubfs/Campaigns/Here%20to%20help%20/Mel-Cadman.jpeg?width=688&name=Mel-Cadman.jpeg)](https://blog.nzhl.co.nz/articles/think-about-what-you-can-control) I have been somewhat reluctant to jump on the bandwagon and comment publicly about the economic impacts of Coronavirus, outside of providing crucial support to our clients. However, I’m starting to... [Read More](https://blog.nzhl.co.nz/articles/think-about-what-you-can-control) #### [Build Update: One step forward, two steps back](https://blog.nzhl.co.nz/articles/build-update-one-step-forward-two-steps-back) - NZHL - 20th of June 2019 [![shutterstock_92946337](https://blog.nzhl.co.nz/hs-fs/hubfs/shutterstock_92946337.jpg?width=688&name=shutterstock_92946337.jpg)](https://blog.nzhl.co.nz/articles/build-update-one-step-forward-two-steps-back) Currently our design is still with council but a lot has happened in the background during the last month or so. The outfit who designed our house plans were also to build it. After the complications... [Read More](https://blog.nzhl.co.nz/articles/build-update-one-step-forward-two-steps-back) #### [Make your mortgage work smarter, not harder](https://blog.nzhl.co.nz/articles/make-your-mortgage-work-smarter-not-harder) - NZHL - 18th of June 2019 [![piggy-bank-spectacles-525x350](https://blog.nzhl.co.nz/hs-fs/hubfs/piggy-bank-spectacles-525x350.jpg?width=688&name=piggy-bank-spectacles-525x350.jpg)](https://blog.nzhl.co.nz/articles/make-your-mortgage-work-smarter-not-harder) ### With so many home loan providers to choose from it’s important to factor in which provider will help you make your mortgage work smarter, not harder, so you can realistically reach your goals. It is... [Read More](https://blog.nzhl.co.nz/articles/make-your-mortgage-work-smarter-not-harder) #### [First home buyers attacking their debt](https://blog.nzhl.co.nz/articles/first-home-buyers-attacking-their-debt) - NZHL - 18th of June 2019 [![mortgage-approved-1-656x350](https://blog.nzhl.co.nz/hs-fs/hubfs/mortgage-approved-1-656x350.jpg?width=688&name=mortgage-approved-1-656x350.jpg)](https://blog.nzhl.co.nz/articles/first-home-buyers-attacking-their-debt) I’ve been working with a couple of first home buyers, who have both just purchased houses. They are focused on attacking their debt and we have put similar plans in place that project some good... [Read More](https://blog.nzhl.co.nz/articles/first-home-buyers-attacking-their-debt) #### [Investment property: 6 benefits of purchasing a new build](https://blog.nzhl.co.nz/articles/investment-property-6-benefits-of-purchasing-a-new-build) - NZHL - 18th of June 2019 [![residential-construction1250x350](https://blog.nzhl.co.nz/hs-fs/hubfs/residential-construction1250x350.jpg?width=688&name=residential-construction1250x350.jpg)](https://blog.nzhl.co.nz/articles/investment-property-6-benefits-of-purchasing-a-new-build) With the recent Reserve Bank changes to investment lending there now is a distinct separation between what you can borrow for an investment property as a new build versus buying an existing house as... [Read More](https://blog.nzhl.co.nz/articles/investment-property-6-benefits-of-purchasing-a-new-build) #### [Benefits of inflation to help pay off your mortgage](https://blog.nzhl.co.nz/articles/benefits-of-inflation-to-help-pay-off-your-mortgage) - NZHL - 18th of June 2019 [![erase-debt](https://blog.nzhl.co.nz/hs-fs/hubfs/erase-debt.jpg?width=688&name=erase-debt.jpg)](https://blog.nzhl.co.nz/articles/benefits-of-inflation-to-help-pay-off-your-mortgage) As mortgages have a life that lasts decades there are some strategies you can apply to them to pay them off significantly quicker. One that is often overlooked is using inflation to help pay them off... [Read More](https://blog.nzhl.co.nz/articles/benefits-of-inflation-to-help-pay-off-your-mortgage) #### [How to Smash Your Future Financial Goals](https://blog.nzhl.co.nz/articles/smash-your-future-financial-goals) - New Zealand Home Loans - 6th of May 2019 - [Advice](https://blog.nzhl.co.nz/articles/tag/advice) [![How to Smash Your Future Financial Goals](https://blog.nzhl.co.nz/hs-fs/hubfs/shutterstock_441619516%20(1).jpg?width=688&name=shutterstock_441619516%20(1).jpg)](https://blog.nzhl.co.nz/articles/smash-your-future-financial-goals) Most people have a moment in their life when all of their financial burdens snowball into something that feels insurmountable to fix. Kids tuition fees, a 30-year mortgage, cars financed, and the... [Read More](https://blog.nzhl.co.nz/articles/smash-your-future-financial-goals) #### [Want to shave years off your mortgage? Make interest rates work for you](https://blog.nzhl.co.nz/articles/want-to-shave-years-off-your-mortgage-make-interest-rates-work-for-you) - New Zealand Home Loans - 1st of May 2019 - [home loans](https://blog.nzhl.co.nz/articles/tag/home-loans) [![Want to shave years off your mortgage? Make interest rates work for you](https://blog.nzhl.co.nz/hs-fs/hubfs/shutterstock_209153143.jpg?width=688&name=shutterstock_209153143.jpg)](https://blog.nzhl.co.nz/articles/want-to-shave-years-off-your-mortgage-make-interest-rates-work-for-you) [Read More](https://blog.nzhl.co.nz/articles/want-to-shave-years-off-your-mortgage-make-interest-rates-work-for-you) #### [Refinancing 101: How it works and what you need to know](https://blog.nzhl.co.nz/articles/refinancing-101-how-it-works-and-what-you-need-to-know) - NZHL - 25th of February 2019 - [home loans](https://blog.nzhl.co.nz/articles/tag/home-loans) [refinancing](https://blog.nzhl.co.nz/articles/tag/refinancing) [![refinance blog1](https://blog.nzhl.co.nz/hs-fs/hubfs/Images/Blog/refinance%20blog1.jpg?width=688&name=refinance%20blog1.jpg)](https://blog.nzhl.co.nz/articles/refinancing-101-how-it-works-and-what-you-need-to-know) ## **What is Refinancing?** Refinancing simply means replacing or paying off your old home loan with a shiny new one. That's all. [Read More](https://blog.nzhl.co.nz/articles/refinancing-101-how-it-works-and-what-you-need-to-know) [Next page](https://blog.nzhl.co.nz/articles/page/2) ##### Popular Posts [![Should you break your loan?](https://blog.nzhl.co.nz/hs-fs/hubfs/shutterstock_1233077740.jpg?width=300&name=shutterstock_1233077740.jpg)](https://blog.nzhl.co.nz/articles/should-you-break-your-loan) [**Should you break your loan?**](https://blog.nzhl.co.nz/articles/should-you-break-your-loan) 11 June 2015 In my recent article I spoke about the[impact of the OCR if you are floating](http://www.nzhl.co.nz/are-you-benefiting-from-the-ocr-drop/). Today I’ll... [![5 reasons lenders decline mortgage applications](https://blog.nzhl.co.nz/hs-fs/hubfs/applicationdeclined-525x350.jpg?width=300&name=applicationdeclined-525x350.jpg)](https://blog.nzhl.co.nz/articles/5-reasons-lenders-decline-mortgage-applications) [**5 reasons lenders decline mortgage applications**](https://blog.nzhl.co.nz/articles/5-reasons-lenders-decline-mortgage-applications) 24 March 2016 There is nothing worse than dreaming of your own home, putting time and effort into... [**Negotiating Tips Every Home Buyer Should Know**](https://blog.nzhl.co.nz/articles/negotiating-tips-every-home-buyer-should-know) 29 July 2015 The old saying is that in real estate, everything is negotiable. But is it really? [![Credit Card Tips](https://blog.nzhl.co.nz/hs-fs/hubfs/creditcards-487x350.jpg?width=300&name=creditcards-487x350.jpg)](https://blog.nzhl.co.nz/articles/credit-card-tips) [**Credit Card Tips**](https://blog.nzhl.co.nz/articles/credit-card-tips) 14 January 2016 In today’s increasingly online world, credit cards are becoming less of a luxury and more... 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