Expert home loan advice to
help you get ahead.

Home Loans

Confused by “fixed, floating, revolving credit, loan-to-value, debt-to-income”? Buying your own home is likely to be one of the most exciting and daunting purchases you’ll ever make. Financing it shouldn’t be.

The team at Rethink have a unique skill set and will ensure you not only get the best interest rates available, but that your new mortgage is structured in your favour and not that of the bank’s. We’ll also work with you long term on a personalised mortgage reduction plan to ensure you repay your mortgage much quicker.

Home loan calculator

Use this calculator as a guide to find out what your home loan repayments could be.

5 easy steps to apply for your home loan.


Speak with a Rethink adviser

We’ll discuss your needs, financial goals, assess your KiwiSaver and HomeStart grant entitlements, and work hard to get you the best home loan structure and interest rate.

Depending on your situation, this process may take anything from a couple of hours to a couple of days.


Loan application

We’ll prepare and submit all of the necessary documents to your nominated lender.

The lender will then assess your application to determine whether you meet their requirements. They will also confirm your income and employment, and conduct a credit check.


Conditional approval

We’ll receive your conditional approval, also known as pre-approval, on your behalf. Conditional approval means you’ll have confidence in knowing how much you can spend and what your repayments will be.

During the security assessment, the lender may require a valuation on the property being purchased.



There are a few insurance products you will need to consider:

  • Mortgage Repayment and Life Insurance
  • Home and Contents insurance

We’ll help customise an insurance plan to cover your mortgage repayments and give you an income if you’re unable to work. We can also help you with house and contents insurance.


Unconditional approval

Once your home loan is unconditionally approved, a formal offer will be issued.

Loan documentation is then sent to your solicitor for you to sign, and who will then liaise with the lender to schedule a settlement date.

Best Mortgage Rate

Getting started is easier than you think.

Talk to a home loan expert

Call us on 0800 021 337  |  8.30am – 8.00pm Monday to Friday

Home loan calculator

Our online home loan calculator is a convenient way to help you budget and assess your options.

Saving for your deposit

We know first hand how daunting it can be saving for a deposit for a home. To help you reach your savings goal faster, we offer free budgeting and saving advice, debt consolidation, and KiwiSaver setup.

If you’re not quite ready to purchase a home, meet with one of the team to discuss your financial situation, create a plan to pay down that exisiting debt and set some goals for building a deposit.

Already have a 10% deposit?

Struggling to get a 20% deposit together? We can help. If you’re a first home buyer, we may be able to help you with only a 10% deposit.

We’ll guide you through the entire application, KiwiSaver first home withdrawal, and the HomeStart grant process. If you’re looking to purchase an Axis home, we can even help you with the ballot application process.

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