--- title: NZ Home Loan Blog | work description: work | --- [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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[Read More](https://blog.nzhl.co.nz/articles/work-time-for-a-change) ##### 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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