--- title: NZ Home Loan Blog | Guest Contributor --- [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! Reducing Life Cover](https://nzhl.co.nz/insurance/your-life/) - [Request a quote](https://nzhl.co.nz/insurance/request-a-quote/) - [Make a claim](https://nzhl.co.nz/insurance/make-a-claim/) - [About NZHL](https://nzhl.co.nz/about-nzhl) - - [In the Community](https://nzhl.co.nz/about-nzhl/in-the-community/) - [Head Office](https://nzhl.co.nz/about-nzhl/head-office/) - [Media Centre](https://nzhl.co.nz/about-nzhl/media-centre/) - [Work with us](https://nzhl.co.nz/about-nzhl/work-with-us/) - [FAQ](https://nzhl.co.nz/about-nzhl/faq/) - - [Our sponsorships](https://nzhl.co.nz/about-nzhl/in-the-community/) - [Job opportunities with NZHL](https://nzhl.co.nz/about-nzhl/work-with-us/) - [Why change to NZHL](https://nzhl.co.nz/home-loans/switch-to-nzhl/) - [Articles](https://nzhl.co.nz/articles) - - [Finances](https://nzhl.co.nz/topic/finances/) - [Insurance](https://nzhl.co.nz/topic/insurance/) - [Lifestyle](https://nzhl.co.nz/topic/lifestyle/) - [Property](https://nzhl.co.nz/topic/property/) - [NZHL News](https://nzhl.co.nz/topic/nzhl-news/) - - [Buying your first home](https://nzhl.co.nz/home-loans/first-home/) - [Search](https://nzhl.co.nz/search) - [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/) - [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/) - [About NZHL](https://nzhl.co.nz/about-nzhl) - [In the Community](https://nzhl.co.nz/about-nzhl/in-the-community/) - [Head Office](https://nzhl.co.nz/about-nzhl/head-office/) - [Media Centre](https://nzhl.co.nz/about-nzhl/media-centre/) - [Work with us](https://nzhl.co.nz/about-nzhl/work-with-us/) - [FAQ](https://nzhl.co.nz/about-nzhl/faq/) - [Articles](https://nzhl.co.nz/articles) - [Finances](https://nzhl.co.nz/topic/finances/) - [Insurance](https://nzhl.co.nz/topic/insurance/) - [Lifestyle](https://nzhl.co.nz/topic/lifestyle/) - [Property](https://nzhl.co.nz/topic/property/) - [NZHL News](https://nzhl.co.nz/topic/nzhl-news/) # Articles - [All News](https://blog.nzhl.co.nz/articles) - [Advice](https://blog.nzhl.co.nz/articles/tag/advice) - [home loans](https://blog.nzhl.co.nz/articles/tag/home-loans) - [mortgage](https://blog.nzhl.co.nz/articles/tag/mortgage) - [finances](https://blog.nzhl.co.nz/articles/tag/finances) - [interest rates](https://blog.nzhl.co.nz/articles/tag/interest-rates) - [awards](https://blog.nzhl.co.nz/articles/tag/awards) - [debt reduction](https://blog.nzhl.co.nz/articles/tag/debt-reduction) - [investment property](https://blog.nzhl.co.nz/articles/tag/investment-property) - [refinancing](https://blog.nzhl.co.nz/articles/tag/refinancing) - [Insider](https://blog.nzhl.co.nz/articles/tag/insider) - [budgeting](https://blog.nzhl.co.nz/articles/tag/budgeting) - [OCR](https://blog.nzhl.co.nz/articles/tag/ocr) - [accounts](https://blog.nzhl.co.nz/articles/tag/accounts) - [add value to home](https://blog.nzhl.co.nz/articles/tag/add-value-to-home) - [capital gain](https://blog.nzhl.co.nz/articles/tag/capital-gain) - [credit cards](https://blog.nzhl.co.nz/articles/tag/credit-cards) - [deposit](https://blog.nzhl.co.nz/articles/tag/deposit) - [equity](https://blog.nzhl.co.nz/articles/tag/equity) - [first home buyers](https://blog.nzhl.co.nz/articles/tag/first-home-buyers) - [mortgage term](https://blog.nzhl.co.nz/articles/tag/mortgage-term) ## Guest Contributor ### Recent Posts #### [Tips for selling your home in Winter](https://blog.nzhl.co.nz/articles/tips-for-selling-your-home-in-winter) - Guest Contributor - 11th of April 2017 [![fireplace1250x350](https://blog.nzhl.co.nz/hs-fs/hubfs/fireplace1250x350.jpg?width=688&name=fireplace1250x350.jpg)](https://blog.nzhl.co.nz/articles/tips-for-selling-your-home-in-winter) We all hear that winter is a bad time to sell your home. Is it really? [Read More](https://blog.nzhl.co.nz/articles/tips-for-selling-your-home-in-winter) #### [Seven Costly Sins - Sin #7](https://blog.nzhl.co.nz/articles/seven-costly-sins-7) - Guest Contributor - 25th of November 2015 [![lineup-502x350-1](https://blog.nzhl.co.nz/hs-fs/hubfs/lineup-502x350-1.jpg?width=688&name=lineup-502x350-1.jpg)](https://blog.nzhl.co.nz/articles/seven-costly-sins-7) The final part in a seven part series, the 'Seven Costly Sins' that home owners commit when selling their home [Read More](https://blog.nzhl.co.nz/articles/seven-costly-sins-7) #### [Seven Costly Sins - Sin #6](https://blog.nzhl.co.nz/articles/seven-costly-sins-6) - Guest Contributor - 12th of November 2015 [![rightandwrong-529x350](https://blog.nzhl.co.nz/hs-fs/hubfs/rightandwrong-529x350.jpg?width=688&name=rightandwrong-529x350.jpg)](https://blog.nzhl.co.nz/articles/seven-costly-sins-6) Part six of a seven part series, the ‘Seven Costly Sins’ that home owners commit when selling their home. [Read More](https://blog.nzhl.co.nz/articles/seven-costly-sins-6) #### [Seven Costly Sins - Sin #5](https://blog.nzhl.co.nz/articles/seven-costly-sins-sin-5) - Guest Contributor - 28th of October 2015 [![rosetintedglasses-526x350](https://blog.nzhl.co.nz/hs-fs/hubfs/rosetintedglasses-526x350.jpg?width=688&name=rosetintedglasses-526x350.jpg)](https://blog.nzhl.co.nz/articles/seven-costly-sins-sin-5) Part five of a seven part series, the ‘Seven Costly Sins’ that home owners commit when selling their home. [Read More](https://blog.nzhl.co.nz/articles/seven-costly-sins-sin-5) #### [Spring House Sales](https://blog.nzhl.co.nz/articles/spring-house-sales) - Guest Contributor - 21st of October 2015 [![daisysinmug-525x350](https://blog.nzhl.co.nz/hs-fs/hubfs/daisysinmug-525x350.jpg?width=688&name=daisysinmug-525x350.jpg)](https://blog.nzhl.co.nz/articles/spring-house-sales) Springtime brings sunshine, showers -- and plenty of opportunities for home staging when selling your home. Make the most of the season with these fresh updates that are sure to attract buyers and... [Read More](https://blog.nzhl.co.nz/articles/spring-house-sales) #### [Seven Costly Sins - Sin #4](https://blog.nzhl.co.nz/articles/seven-costly-sins-sin-4) - Guest Contributor - 12th of October 2015 [![houseandmagnifyingglass-466x350](https://blog.nzhl.co.nz/hs-fs/hubfs/houseandmagnifyingglass-466x350.jpg?width=688&name=houseandmagnifyingglass-466x350.jpg)](https://blog.nzhl.co.nz/articles/seven-costly-sins-sin-4) Part four of a seven part series, the ‘Seven Costly Sins’ that home owners commit when selling their home. [Read More](https://blog.nzhl.co.nz/articles/seven-costly-sins-sin-4) #### [Finding the perfect house](https://blog.nzhl.co.nz/articles/finding-the-perfect-house) - Guest Contributor - 8th of October 2015 [![perfect10-495x350](https://blog.nzhl.co.nz/hs-fs/hubfs/perfect10-495x350.jpg?width=688&name=perfect10-495x350.jpg)](https://blog.nzhl.co.nz/articles/finding-the-perfect-house) ## How do I find the perfect property? [Read More](https://blog.nzhl.co.nz/articles/finding-the-perfect-house) #### [Seven Costly Sins - Sin #3](https://blog.nzhl.co.nz/articles/seven-costly-sins-sin-3) - Guest Contributor - 29th of September 2015 [![goldtaps-514x350](https://blog.nzhl.co.nz/hs-fs/hubfs/goldtaps-514x350.jpg?width=688&name=goldtaps-514x350.jpg)](https://blog.nzhl.co.nz/articles/seven-costly-sins-sin-3) Part three of a seven part series, the 'Seven Costly Sins' that home owners commit when selling their home [Read More](https://blog.nzhl.co.nz/articles/seven-costly-sins-sin-3) #### [Selling before you buy](https://blog.nzhl.co.nz/articles/selling-before-you-buy) - Guest Contributor - 25th of September 2015 [![prosandcons-600x350](https://blog.nzhl.co.nz/hs-fs/hubfs/prosandcons-600x350.jpg?width=688&name=prosandcons-600x350.jpg)](https://blog.nzhl.co.nz/articles/selling-before-you-buy) Most people sell their current home at the same time as buying a new one, forming a property chain. Selling before you buy has risks, but it can also have some advantages too. [Read More](https://blog.nzhl.co.nz/articles/selling-before-you-buy) #### [Seven Costly Sins - Sin #2](https://blog.nzhl.co.nz/articles/seven-costly-sins-2) - Guest Contributor - 23rd of September 2015 [![untidykitchenmed-525x350](https://blog.nzhl.co.nz/hs-fs/hubfs/untidykitchenmed-525x350.jpg?width=688&name=untidykitchenmed-525x350.jpg)](https://blog.nzhl.co.nz/articles/seven-costly-sins-2) Part two of a seven part series, the ‘Seven Costly Sins’ that home owners commit when selling their home. [Read More](https://blog.nzhl.co.nz/articles/seven-costly-sins-2) [Next page](https://blog.nzhl.co.nz/articles/author/guest-contributor/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... [![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... [![Buying cars: the worst finance habit?](https://blog.nzhl.co.nz/hs-fs/hubfs/carpurchase-548x350-1.jpg?width=300&name=carpurchase-548x350-1.jpg)](https://blog.nzhl.co.nz/articles/buying-cars-the-worst-finance-habit) [**Buying cars: the worst finance habit?**](https://blog.nzhl.co.nz/articles/buying-cars-the-worst-finance-habit) 15 November 2016 If I had to describe my worst financial habit, along with a number of my friends, it... Get in Touch With Us [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/) - [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/) - [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/) - [Why NZHL](https://nzhl.co.nz/about-nzhl/) - [In the Community](https://nzhl.co.nz/about-nzhl/in-the-community/) - [Head Office](https://nzhl.co.nz/about-nzhl/head-office/) - [Media Centre](https://nzhl.co.nz/about-nzhl/media-centre/) - [Work with us](https://nzhl.co.nz/about-nzhl/work-with-us/) - [FAQ](https://nzhl.co.nz/about-nzhl/faq/) - [Articles](https://nzhl.co.nz/articles) - [Finances](https://nzhl.co.nz/topic/finances/) - [Insurance](https://nzhl.co.nz/topic/insurance/) - [Lifestyle](https://nzhl.co.nz/topic/lifestyle/) - [Property](https://nzhl.co.nz/topic/property/) - [NZHL News](https://nzhl.co.nz/topic/nzhl-news/) - ##### Be social & follow us - - - - **Head Office** NZHL PO Box 161 903 Victoria Street Hamilton 3204 **Freephone** [0800 332 837](tel:0800332837) **Email** [info@nzhl.co.nz](mailto:info@nzhl.co.nz) ![NZHL](https://blog.nzhl.co.nz/hubfs/Nzhl_January2019%20Theme/Images/logo-footer-nzhl.png) **Disclaimer** *The information contained on this website is general in nature and is not intended as advice. It may not be relevant to individual circumstances and before making any investment, insurance or financial planning decision; you should consult a professional adviser. Copies of our disclosure statements are available on request, free of charge.* **[Our Privacy Policy](https://nzhl.co.nz/privacy-policy/)** © 2019 [NZHL](https://nzhl.co.nz). All rights reserved.