--- title: NZ Home Loan Blog (11) description: (11) --- [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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I know some people on very good incomes but their burn... [Read More](https://blog.nzhl.co.nz/articles/understanding-your-burn) #### [Budget 2016 - what's in it for me?](https://blog.nzhl.co.nz/articles/budget-2016-whats-in-it-for-me) - NZHL - 26th of May 2016 [![budget2016-525x350](https://blog.nzhl.co.nz/hs-fs/hubfs/budget2016-525x350.jpg?width=688&name=budget2016-525x350.jpg)](https://blog.nzhl.co.nz/articles/budget-2016-whats-in-it-for-me) After weeks of hints and speculation it's finally here. The 2016 Budget has been released by Finance Minister Bill English. As one might expect, it's a naturally conservative budget with health and... [Read More](https://blog.nzhl.co.nz/articles/budget-2016-whats-in-it-for-me) #### [Hints and Tips for Home Buyers](https://blog.nzhl.co.nz/articles/hints-and-tips-for-home-buyers) - NZHL - 26th of May 2016 [![housekeyandhands-525x350](https://blog.nzhl.co.nz/hs-fs/hubfs/housekeyandhands-525x350.jpg?width=688&name=housekeyandhands-525x350.jpg)](https://blog.nzhl.co.nz/articles/hints-and-tips-for-home-buyers) Buying a house can be daunting, and in the current market, even more so. There are so many things to think about and so many variables to consider you could literally write a book on it (and many... [Read More](https://blog.nzhl.co.nz/articles/hints-and-tips-for-home-buyers) #### [Downsizing - the ultimate way to get debt free faster?](https://blog.nzhl.co.nz/articles/downsizing-the-ultimate-way-to-get-debt-free-faster) - Emily Doran - 25th of May 2016 [![costclamp2-385x350](https://blog.nzhl.co.nz/hs-fs/hubfs/costclamp2-385x350.jpg?width=688&name=costclamp2-385x350.jpg)](https://blog.nzhl.co.nz/articles/downsizing-the-ultimate-way-to-get-debt-free-faster) I've worked for [New Zealand Home Loans](http://www.nzhomeloans.co.nz) for 8 years now and the aim has always been to 'help our clients get debt free faster'. I've been a client for 7 years now, since buying our first home and now,... [Read More](https://blog.nzhl.co.nz/articles/downsizing-the-ultimate-way-to-get-debt-free-faster) #### [Build Update: Lessons from trying to build](https://blog.nzhl.co.nz/articles/build-update-lessons-from-trying-to-build) - NZHL - 19th of May 2016 [![blueprints-525x350](https://blog.nzhl.co.nz/hs-fs/hubfs/blueprints-525x350.jpg?width=688&name=blueprints-525x350.jpg)](https://blog.nzhl.co.nz/articles/build-update-lessons-from-trying-to-build) I’ve had a few readers ask about my build progress and as of 2 weeks ago I can now answer; abandoned. We went through a number of designs with a new company and after pricing the one that worked for... [Read More](https://blog.nzhl.co.nz/articles/build-update-lessons-from-trying-to-build) #### [Opinion: Auctions bite!](https://blog.nzhl.co.nz/articles/opinion-auctions-bite) - Emily Doran - 13th of May 2016 [![auctionhammer-510x350](https://blog.nzhl.co.nz/hs-fs/hubfs/auctionhammer-510x350.jpg?width=688&name=auctionhammer-510x350.jpg)](https://blog.nzhl.co.nz/articles/opinion-auctions-bite) Auctions, you just can't get away from them these days. Take one look at TradeMe Property or Realestate.co.nz or any real estate agency website and you'll see that a lot of the listings are auctions.... [Read More](https://blog.nzhl.co.nz/articles/opinion-auctions-bite) #### [Press Release - NZHL appoints new COO](https://blog.nzhl.co.nz/articles/press-release-nzhl-appoints-new-coo) - Emily Doran - 28th of April 2016 28th April 2016 [Read More](https://blog.nzhl.co.nz/articles/press-release-nzhl-appoints-new-coo) #### [What to look for in an investment property](https://blog.nzhl.co.nz/articles/what-to-look-for-in-an-investment-property) - Emily Doran - 15th of April 2016 [![monopoly-525x350](https://blog.nzhl.co.nz/hs-fs/hubfs/monopoly-525x350.jpg?width=688&name=monopoly-525x350.jpg)](https://blog.nzhl.co.nz/articles/what-to-look-for-in-an-investment-property) So you've decided to take the plunge and buy an investment property. You've done the work crunching the numbers and it looks like they stack up, so now comes the hard bit of scouring the internet,... [Read More](https://blog.nzhl.co.nz/articles/what-to-look-for-in-an-investment-property) #### [Working in 10 year time spans](https://blog.nzhl.co.nz/articles/working-in-10-year-time-spans) - NZHL - 31st of March 2016 - [home loans](https://blog.nzhl.co.nz/articles/tag/home-loans) [![watchandpiggy-511x350](https://blog.nzhl.co.nz/hs-fs/hubfs/watchandpiggy-511x350.jpg?width=688&name=watchandpiggy-511x350.jpg)](https://blog.nzhl.co.nz/articles/working-in-10-year-time-spans) A financial plan I personally follow is keeping any commitments to fewer than 10 years. In current times we have very easy access to very large amounts of loans. While access to this money enables us... [Read More](https://blog.nzhl.co.nz/articles/working-in-10-year-time-spans) #### [5 reasons lenders decline mortgage applications](https://blog.nzhl.co.nz/articles/5-reasons-lenders-decline-mortgage-applications) - Emily Doran - 24th of March 2016 [![applicationdeclined-525x350](https://blog.nzhl.co.nz/hs-fs/hubfs/applicationdeclined-525x350.jpg?width=688&name=applicationdeclined-525x350.jpg)](https://blog.nzhl.co.nz/articles/5-reasons-lenders-decline-mortgage-applications) There is nothing worse than dreaming of your own home, putting time and effort into finding your dream home only to have the lender come back and decline your mortgage application. It can be... [Read More](https://blog.nzhl.co.nz/articles/5-reasons-lenders-decline-mortgage-applications) [Previous page](https://blog.nzhl.co.nz/articles/page/10) [Next page](https://blog.nzhl.co.nz/articles/page/12) ##### 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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