Plain-English guides to borrowing.

For home loans, usually not. The lender pays us when your loan settles, including for investment and non-bank home loans. Business and commercial lending carry a fee, which we explain upfront.

Your bank can only offer its own loans. We compare a range of banks and non-bank lenders, help you present your application well, and may negotiate on your behalf.

The main banks, smaller banks and non-bank lenders. See the lenders on our home page.

Lenders pay us a commission when your loan settles. Our duty is to put your interests first, and our disclosure statement explains how we manage any conflicts.

No. We help clients across New Zealand by video or phone call.

Usually ID, recent payslips or financial statements, bank statements, and details of your debts and expenses. We'll give you a checklist for your situation.

With a deposit of 20% or more, often yes. With less than 20%, lenders generally assess only a live deal, such as a conditional offer on a property. Talk to us first so you know what you may be able to borrow.

No. A credit check is only done by a lender, when you agree to apply with them.

It depends on the lender and your situation. Simple applications may be quick; more complex ones take longer. Talk to us early so you're ready when you find the right property.

You can call us, or we'll get in touch before it ends to review your options, so you don't simply roll onto whatever your lender offers.

Often, yes. Another lender may see your situation differently. See "Stuck with your bank".

Yes. Small changes to your loan structure and repayments may save you thousands, depending on your financial position. Try our Pay off faster calculator.