Mortgage Quotes NZ
Compare free, no-obligation home loan quotes from a panel of New Zealand banks and non-bank lenders in one place.
How our mortgage quotes work
Tell us whether you are buying, refinancing or topping up, plus a few details on the property and your income. We pass the enquiry to qualified New Zealand mortgage advisers who source quotes across a panel of banks and non-bank lenders. You receive a comparison of fixed and floating rates, structure options and any cash-back offers.
The quotes are free and there is no obligation to take out a loan once you see what is on the table.
What you need to provide
- Whether you are buying, refinancing, building or borrowing top-up funds
- Estimated property value and the loan amount required
- Employment status, income and any rental or other income
- Existing debts and monthly commitments
- Contact details so an adviser can confirm the quote with you
Why use MoneyGuru
Mortgage rates and cash-back offers change frequently and the advertised rate is rarely the final rate you can negotiate. MoneyGuru connects you with experienced advisers who know which lender is currently competitive for your situation, including newer borrowers, self-employed applicants and refinancers.
There is no consumer fee and you stay in control of the next step.
Common questions
Do I need a deposit to get a quote?
You do not need the deposit in hand to compare quotes, but the size of your deposit affects which rates and lenders you can access. An adviser can walk through low-deposit options if needed.
Should I fix or float?
It depends on your view of rates and your need for certainty. Many borrowers split between fixed and floating to balance flexibility and repayment certainty. An adviser can model the options before you commit.
Is refinancing worth it?
Refinancing can be worthwhile when rate differences, cash-back offers or restructure benefits outweigh any break fees and legal costs. The comparison will show whether the maths stacks up for you.