Every situation is different, and sometimes a standard mortgage isn’t the right fit. We’ll help you find the lending options that match your goals and lifestyle.


Loan Structures
Your savings sit in a linked account and reduce the amount you're charged interest on. You're not paying down the loan faster - you're just paying less interest on what you owe.
Loan Structures
Think of it like a giant overdraft. You can borrow, repay, and redraw as you need - super flexible if your income's irregular, but it takes discipline to avoid leaving too much drawn.
Loan Structures
This is the most common home loan in New Zealand, with regular, consistent repayments over a set term (generally 25-30yrs). Every repayment covers both the interest and a chunk of what you actually borrowed providing you with certainty and a clear path to ownership.
Loan Structures
This loan allows you to pay only the interest for a set period (usually up to 5yrs), which can free up cash flow for things like renovations. The principal amount you owe does not decrease during this time.
Loan Structures
With this loan, your payments decrease over time as you pay off the principal, which means you pay less interest overall, though initial payments are higher.
Rate options
Your rate moves with the market, so your repayments can go up or down. You get full flexibility to pay extra or switch to fixed anytime - perfect if you want control, but you'll need to handle a bit of uncertainty.
Rate options
Your interest rate stays the same for a set time (usually 6 months to 5 years), so your repayments don't change. Great if you like knowing exactly what you'll pay - but if you want to pay extra or exit early, there's usually a fee.
Rate options
Get the best of both worlds by splitting your loan between fixed and floating rates, giving you a balance of certainty and flexibility.
Specialised loans
This short-term loan “bridges the gap” when you buy a new home before you’ve sold your current one, providing the funds you need to secure your next property.
Specialised loans
If you’re building a new home, a construction loan provides funds in stages as your build progresses, so you only pay interest on the money you’ve drawn down.
Specialised loans
This loan is specifically for purchasing a section of land to build on in the future and typically requires a larger deposit than a standard home loan.
Specialised loans
Designed for first-home buyers, this loan, often supported by Kāinga Ora, allows you to purchase a home with a deposit as low as 5%.
Specialised loans
If you need business cash flow, a vehicle loan or a personal loan (secured or unsecured), we’ll help you find an option that fits your situation.
Check out our suite of mortgage calculators to see how different loan lengths, rates & payments can affect your repayments and total cost - it only takes a moment to compare your options.
Start the application process today and we’ll guide you through your home loan journey every step of the way.