Let’s get on top of that mortgage.
Times are changing. Interest rates are on the up. Many of us are coming off fixed rates ... and need to keep a lid on ballooning interest costs.
Others simply want to make a plan to get rid of their mortgage, save thousands in interest costs ... and reach
financial freedom, faster.
Whatever hopes and dreams you have for your mortgage and your family – one of the biggest challenges today is finding someone on your side, much less someone you can actually talk to. At NZHL we’re local and we’re here to help.
Imagine having a Mortgage Mentor on your side.
Imagine a real person to talk to on the phone or over coffee. Someone whose focus is to listen to your goals, and help you wrangle that mortgage to get out the other side faster.
Imagine someone who has access to a smart home loan structure, powerful online tools that put you in control and more importantly, the knowledge and skills to help you get ahead.
And yes, that’s a real person, with a real mobile phone number that you can even save for future use!
“The service we have received from Rex and Joan has just been exemplary, and very personal and we feel like they are a mortgage provider who cares, which is why we have stuck with them for all these years.”
Jacqui & Raoul
“I first talked to Jo at North Harbour, and then dealt with Kristy ever since and they have been amazing. They have been in touch at least every 6 months over the last 8 or 9 years that we have been with them.”
Tammy & Nick
“Financially we’ve been able to do things that I don’t think at the beginning of our home loan we would ever have thought we’d be able to do six years in.”
Chris & Rebecca
Book an obligation free chat.
Helping Kiwis achieve Financial Freedom, Faster - for 25 years.
NZHL has built steadily, mostly by word of mouth, over the last 25 years. How? We believe we have some of the highest satisfaction scores of any financial services organisation in the country, with over 75% of our customers, ‘very satisfied’ or more. In fact, here’s something we’re immensely proud of; one of the key reasons we lose clients is because we’ve helped them become debt free! We even celebrate the fact!
Here’s some other facts:
We’ve got a $7b loan book and more than 20,000 (rather satisfied) clients
More than 70 offices nationwide
Over 150 Mortgage Mentors who are registered financial advisers
We’re Passionately Kiwi – NZHL is owned by Kiwi Group Holdings (NZ Super Fund, NZ Post and ACC), but we’re also made up of a local business owner network who have skin in the game and genuinely care.
What happens when I book a chat?
First up, there’s no obligation. Your first chat with a NZHL Mortgage Mentor is all about getting a feel for each other.
In that chat we’ll:
Listen to your goals
Ask a few questions about your circumstances
Explain some of the specific tools and techniques we can use to get great results for you
Arrange a time to set up a proper appointment if that’s what’s right for you





Book an obligation free chat.
How does it work?
A Smart Home
Loan Structure
We’ll help you structure your mortgage to make the most of your income and savings, reducing your daily interest costs in the process. We call this channelling.
One to One
Personalised Service
As part of getting your smart home loan structure set up, we'll help you identify your financial goals and then check-in regularly on your progress.
Let us help you
Take Control
We’ll provide our unique DebtNav tools and support to help you effectively manage your smart home loan structure.