You’ve saved your deposit, researched your options and are looking forward to settling into your new home. It’s a big commitment and a lot of change, but the good news is we’re here to help make the move to home ownership that bit easier.

Refinancing could help reshape your financial situation. You could refinance to a new lender for better features, to consolidate debt, or to use your equity (the market value of your property minus what you owe on your mortgage) to help fund a renovation, a new business venture, or even a cheeky boat purchase. Let us know what’s important to you.

Just because you’ve started your next business venture doesn’t mean your plans to buy a house have to wait – we give you the flexibility to apply for a home loan with just six months NZBN activity. Find out more about our home loans for the self-employed and small business owners.

Why let something in the past decide your future? We get it, real life happens and just because you had some credit issues before doesn’t mean that your options should be limited. That’s why we get to know you – the person behind the credit score. If we can help you find a way forward, we will.