--- title: NZ Home Loan Blog | James Greene --- [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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He ruined a perfectly good style of moustache (the Toothbrush moustache) for all who... [Read More](https://blog.nzhl.co.nz/articles/where-is-the-great-wall-of-china) #### [Noise](https://blog.nzhl.co.nz/articles/noise) - James Greene - 3rd of November 2015 [![televisionnoise-525x350](https://blog.nzhl.co.nz/hs-fs/hubfs/televisionnoise-525x350.jpg?width=688&name=televisionnoise-525x350.jpg)](https://blog.nzhl.co.nz/articles/noise) *Rome is the mob. Conjure magic for them and they'll be distracted. Take away their freedom and still they'll roar.” Gracchus – The Gladiator* [Read More](https://blog.nzhl.co.nz/articles/noise) #### [You Need vs I Need](https://blog.nzhl.co.nz/articles/you-need-vs-i-need) - James Greene - 8th of October 2015 [![sunsetfamily-526x350](https://blog.nzhl.co.nz/hs-fs/hubfs/sunsetfamily-526x350.jpg?width=688&name=sunsetfamily-526x350.jpg)](https://blog.nzhl.co.nz/articles/you-need-vs-i-need) Last year the DVS man came to our house. A very nice chap of German origin, who would laugh jovially at the end of every sentence he spoke. “So you see, we are seeing many more children suffering... [Read More](https://blog.nzhl.co.nz/articles/you-need-vs-i-need) #### [How Does Your Business Value Time?](https://blog.nzhl.co.nz/articles/how-does-your-business-value-time) - James Greene - 3rd of August 2015 *“Take away my people and leave the factories, and soon there will be grass growing on the factory floors, but take away my factories and leave my people, and soon we will have bigger and better...* [Read More](https://blog.nzhl.co.nz/articles/how-does-your-business-value-time) ##### 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... 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