--- title: NZ Home Loan Blog | NZHL (2) description: (2) --- [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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It can sometimes be hard to know what lenders are looking for. [Read More](https://blog.nzhl.co.nz/articles/what-lenders-are-looking-for) #### [Celebrating our 20,000th client](https://blog.nzhl.co.nz/articles/celebrating-our-20000th-client) - NZHL - 8th of August 2018 - [awards](https://blog.nzhl.co.nz/articles/tag/awards) [![20000banner1250x350b](https://blog.nzhl.co.nz/hs-fs/hubfs/20000banner1250x350b.jpg?width=688&name=20000banner1250x350b.jpg)](https://blog.nzhl.co.nz/articles/celebrating-our-20000th-client) We recently had the privilege of welcoming on board our 20,000th client to NZHL! [Read More](https://blog.nzhl.co.nz/articles/celebrating-our-20000th-client) #### [A Few Great Reads](https://blog.nzhl.co.nz/articles/a-few-great-reads) - NZHL - 31st of July 2018 - [Advice](https://blog.nzhl.co.nz/articles/tag/advice) [![books1250](https://blog.nzhl.co.nz/hs-fs/hubfs/books1250.jpg?width=688&name=books1250.jpg)](https://blog.nzhl.co.nz/articles/a-few-great-reads) Blogs are awesome, this I know, because I write my own BUT for me learning how to be better with money all started with books. But if the thought of reading a book on money makes you want to yawn,... [Read More](https://blog.nzhl.co.nz/articles/a-few-great-reads) #### [NIB launches whitecoat](https://blog.nzhl.co.nz/articles/nib-launches-whitecoat) - NZHL - 26th of July 2018 - [Insider](https://blog.nzhl.co.nz/articles/tag/insider) [![whitecoat1250](https://blog.nzhl.co.nz/hs-fs/hubfs/whitecoat1250.jpg?width=688&name=whitecoat1250.jpg)](https://blog.nzhl.co.nz/articles/nib-launches-whitecoat) NIB has launched New Zealand’s first online platform that enables consumers to search, rate, review and compare local healthcare providers to help Kiwi consumers make more informed choices about... [Read More](https://blog.nzhl.co.nz/articles/nib-launches-whitecoat) #### [New CEO for home loan provider as survey reveals high client satisfaction](https://blog.nzhl.co.nz/articles/press-release-new-ceo-for-home-loan-provider-as-survey-reveals-high-client-satisfaction) - NZHL - 26th of July 2018 - [home loans](https://blog.nzhl.co.nz/articles/tag/home-loans) [![](https://blog.nzhl.co.nz/hs-fs/hubfs/Imported_Blog_Media/NPS.png?width=688&name=NPS.png)](https://blog.nzhl.co.nz/articles/press-release-new-ceo-for-home-loan-provider-as-survey-reveals-high-client-satisfaction) The board of New Zealand Home Loans (NZHL) has announced the appointment of Aaron Skilton as the new Chief Executive Officer of the wholly New-Zealand owned and operated franchise company. Skilton... [Read More](https://blog.nzhl.co.nz/articles/press-release-new-ceo-for-home-loan-provider-as-survey-reveals-high-client-satisfaction) #### [Time to reset your spending and go back to square one](https://blog.nzhl.co.nz/articles/spending-reset) - NZHL - 27th of June 2018 [![TheHappySaver_Header_Image_1](https://blog.nzhl.co.nz/hs-fs/hubfs/TheHappySaver_Header_Image_1.jpg?width=688&name=TheHappySaver_Header_Image_1.jpg)](https://blog.nzhl.co.nz/articles/spending-reset) ## Where did all the money go? That is pretty much the question I ask myself on the last day of every month when I finish entering any last transactions into our family budget. I am endlessly surprised... [Read More](https://blog.nzhl.co.nz/articles/spending-reset) #### [How to save money on petrol](https://blog.nzhl.co.nz/articles/how-to-save-money-on-petrol) - NZHL - 13th of June 2018 - [Advice](https://blog.nzhl.co.nz/articles/tag/advice) [![fuelgauge1250](https://blog.nzhl.co.nz/hs-fs/hubfs/fuelgauge1250.jpg?width=688&name=fuelgauge1250.jpg)](https://blog.nzhl.co.nz/articles/how-to-save-money-on-petrol) Petrol, the cost of it is highly unlikely to go down anytime soon and for many of us it's a huge weekly expense that is necessary to go about our daily lives; getting to work, to school, buying... [Read More](https://blog.nzhl.co.nz/articles/how-to-save-money-on-petrol) #### [Podcasts: Six of the Best!](https://blog.nzhl.co.nz/articles/podcasts-six-of-the-best) - NZHL - 31st of May 2018 - [Advice](https://blog.nzhl.co.nz/articles/tag/advice) [![TheHappySaver_Header_Image_1](https://blog.nzhl.co.nz/hs-fs/hubfs/TheHappySaver_Header_Image_1.jpg?width=688&name=TheHappySaver_Header_Image_1.jpg)](https://blog.nzhl.co.nz/articles/podcasts-six-of-the-best) I listen to a lot of podcasts, heck I even produce my own! So, to say I’m a fan is an understatement. But many are still scratching their head as to what one even is and why they should even be... [Read More](https://blog.nzhl.co.nz/articles/podcasts-six-of-the-best) #### [How to save on your power bill this winter](https://blog.nzhl.co.nz/articles/how-to-save-on-your-power-bill-this-winter) - NZHL - 17th of May 2018 [![powerswitch1250](https://blog.nzhl.co.nz/hs-fs/hubfs/powerswitch1250.jpg?width=688&name=powerswitch1250.jpg)](https://blog.nzhl.co.nz/articles/how-to-save-on-your-power-bill-this-winter) Winter is a time when, traditionally, all our power bills spike due to increased use of heaters, dryers, hot water. It's always a shock to the system when the winter power bills start coming in and... [Read More](https://blog.nzhl.co.nz/articles/how-to-save-on-your-power-bill-this-winter) #### [It’s time to get Angry! Get out of debt as fast as possible.](https://blog.nzhl.co.nz/articles/its-time-to-get-angry) - NZHL - 2nd of May 2018 - [finances](https://blog.nzhl.co.nz/articles/tag/finances) [![angry1250](https://blog.nzhl.co.nz/hs-fs/hubfs/angry1250.jpg?width=688&name=angry1250.jpg)](https://blog.nzhl.co.nz/articles/its-time-to-get-angry) I listen to the Dave Ramsey podcast a bit, I don’t know why I do it exactly because he talks pretty much exclusively about getting out of debt and staying out of debt. I had absorbed this very... [Read More](https://blog.nzhl.co.nz/articles/its-time-to-get-angry) [Previous page](https://blog.nzhl.co.nz/articles/author/nzhl/page/1) [Next page](https://blog.nzhl.co.nz/articles/author/nzhl/page/3) ##### 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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