Helpful guides
A curated collection of lending guides, step-by-step walk through’s, and expert insights, designed to help you navigate property types, purchase stages, and optimal financing strategies with confidence.
Will having or closing a credit card affect my home loan approval?
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If you own a home, you need to think about making a Will
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Getting “cashback” on your home loan – the basics
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Top 5 Reasons To Consider Refinancing
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You’re approved under Kainga Ora First Home Loan. Congratulations! What do we need to know?
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What is ‘account conduct’ and how can it affect my chances of getting a home loan?
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How can I get free advice from a qualified mortgage adviser?
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How much deposit do I need to buy my first home in New Zealand?
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How much can I borrow for my home loan?
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Can I get Kainga Ora Kiwisaver Withdrawal, First Home Loan or First Home Grant as a previous home owner?
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Kainga Ora First Home Grant
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What will my home loan repayments be?
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Top 5 Reasons To Consider Refinancing
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What will my home loan repayments be?
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Valuations and New Build Properties
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Monolithic Properties – Navigating this from a lending perspective
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Freehold, Cross-lease, Leasehold…….Understanding different property types in New Zealand
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The Home Loan Factory Guide to Signing A Sale & Purchase Agreement in NZ
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Why Avoiding Auctions with less than 20% deposit can make sense: Dealing with Valuations
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Kainga Ora First Home Loan Scheme
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