Mortgage guides

Short guides to the New Zealand home loan questions the calculators raise. Each one answers the question first, then explains the trade-offs, and links to the calculator that runs the numbers.

• How long should you fix your mortgage for in NZ?

  Fixing for longer buys certainty; fixing shorter keeps flexibility. How NZ fixed terms work, what each length trades off, and why many people split.

• Mortgage cashback in NZ: how it works and when you pay it back

  A mortgage cashback is cash a bank pays you to take or move a home loan. You may repay some of it if you leave within the clawback period. How it works.

General information, not financial advice. We are not a mortgage broker and hold no FMA licence — what this site is and is not.