--- title: NZ Home Loan Blog | home loans description: home loans | --- [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) #### [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) #### [3 Foolproof Ways To Add Value To Your Home (New Zealand)](https://blog.nzhl.co.nz/articles/3-foolproof-ways-to-add-value-to-your-home-new-zealand) - NZHL - 15th of February 2019 - [Advice](https://blog.nzhl.co.nz/articles/tag/advice) [home loans](https://blog.nzhl.co.nz/articles/tag/home-loans) [refinancing](https://blog.nzhl.co.nz/articles/tag/refinancing) [add value to home](https://blog.nzhl.co.nz/articles/tag/add-value-to-home) [![increase home value](https://blog.nzhl.co.nz/hs-fs/hubfs/Images/Blog/increase%20home%20value.jpg?width=688&name=increase%20home%20value.jpg)](https://blog.nzhl.co.nz/articles/3-foolproof-ways-to-add-value-to-your-home-new-zealand) If you're thinking about adding value to your home, and the first thing that comes to your mind is painting and cleaning, you're just scratching the surface. [Read More](https://blog.nzhl.co.nz/articles/3-foolproof-ways-to-add-value-to-your-home-new-zealand) #### [Windfall](https://blog.nzhl.co.nz/articles/windfall) - NZHL - 28th of August 2018 - [home loans](https://blog.nzhl.co.nz/articles/tag/home-loans) [![Untitled-design-1](https://blog.nzhl.co.nz/hs-fs/hubfs/Untitled-design-1.png?width=688&name=Untitled-design-1.png)](https://blog.nzhl.co.nz/articles/windfall) I know a guy, let’s call him Tim. I think he is about 25 and in the last year he bought his first ever house. He is pretty proud of it and rightly so and I’ve noticed that the responsibility has made... [Read More](https://blog.nzhl.co.nz/articles/windfall) #### [What lenders are looking for?](https://blog.nzhl.co.nz/articles/what-lenders-are-looking-for) - NZHL - 14th of August 2018 - [home loans](https://blog.nzhl.co.nz/articles/tag/home-loans) [![questionmarkssky1250x470-931x350](https://blog.nzhl.co.nz/hs-fs/hubfs/questionmarkssky1250x470-931x350.jpg?width=688&name=questionmarkssky1250x470-931x350.jpg)](https://blog.nzhl.co.nz/articles/what-lenders-are-looking-for) When applying for a home loan it can be quite daunting, particularly if you have been declined by a lending institution before. 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) #### [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) #### [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) #### [Is your home loan getting the attention it deserves?](https://blog.nzhl.co.nz/articles/is-your-home-loan-getting-the-attention-it-deserves) - NZHL - 1st of December 2015 - [home loans](https://blog.nzhl.co.nz/articles/tag/home-loans) [![house-in-hands-525x350](https://blog.nzhl.co.nz/hs-fs/hubfs/house-in-hands-525x350.jpg?width=688&name=house-in-hands-525x350.jpg)](https://blog.nzhl.co.nz/articles/is-your-home-loan-getting-the-attention-it-deserves) I am a ‘bang for buck’ kind of person. What can I get the most out of for the least effort? When I look at peoples finances I am always intrigued by where their efforts are often centered. People are... [Read More](https://blog.nzhl.co.nz/articles/is-your-home-loan-getting-the-attention-it-deserves) #### [Control - The Example](https://blog.nzhl.co.nz/articles/control-the-example) - NZHL - 26th of June 2015 - [home loans](https://blog.nzhl.co.nz/articles/tag/home-loans) [mortgage](https://blog.nzhl.co.nz/articles/tag/mortgage) [![shutterstock_1377007877](https://blog.nzhl.co.nz/hs-fs/hubfs/shutterstock_1377007877.jpg?width=688&name=shutterstock_1377007877.jpg)](https://blog.nzhl.co.nz/articles/control-the-example) Last week I spoke about the[benefits of taking what control you can](http://www.nzhl.co.nz/control/)over your mortgage, today I’ll run through a typical example. [Read More](https://blog.nzhl.co.nz/articles/control-the-example) #### [Control](https://blog.nzhl.co.nz/articles/control) - NZHL - 19th of June 2015 - [home loans](https://blog.nzhl.co.nz/articles/tag/home-loans) [mortgage](https://blog.nzhl.co.nz/articles/tag/mortgage) [![shutterstock_248863414](https://blog.nzhl.co.nz/hs-fs/hubfs/shutterstock_248863414.jpg?width=688&name=shutterstock_248863414.jpg)](https://blog.nzhl.co.nz/articles/control) Most people when they take a mortgage, give up control. This somewhat makes sense, you are borrowing a large amount of money from a bank or lending institution and do have to follow their rules, to... [Read More](https://blog.nzhl.co.nz/articles/control) [Next page](https://blog.nzhl.co.nz/articles/tag/home-loans/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.