NZHL - Southern Lakes

31/07/2025

While lower rates might catch your eye, the real value lies in how you manage your mortgage. That’s where the team at NZHL Southern Lakes comes in.

They’re here to help you:

✅ Build a personalised financial plan that fits your lifestyle
✅ Use DebtNav, our smart online tool, to track and manage your progress
✅ Get expert guidance from local Mortgage Mentors who truly understand your goals

At NZHL, we believe every Kiwi deserves a smarter path to mortgage freedom.

💡 Small changes. Big impact.

Let’s make your financial goals happen, your way -

NZHL aims to help Kiwis achieve financial freedom faster. If you’d like advice on new home loans or mortgage refinancing in the Southern Lakes region, talk to us.

11/04/2025

It’s an interesting time in the market…. Catch up with the latest information here…..

11/03/2024

Great turnout in Dunedin.
Next week it’s Queenstown - save the date 20th March, 6pm at the Frankton BBQ area.

Super fun race for families…!!

Get your tickets now on the X-Race website.

It was a chance for Dunedin families to be competitive, as around 200 enthusiastic participants took part in a mystery adventure challenge on...

27/01/2024

Exciting news - X-Race is coming to Queenstown..!!

Save the date - March 20th 6pm.

More information to follow……

At NZHL, we’re incredibly proud of the positive impact of XRACE on local families. NZHL are celebrating 10 years as NZHL XRACE.

01/12/2023

X-Race is coming to Queenstown..!! March 2024.

This is a fantastic family event, so much fun for kids & parents..!

Save the date 20th March 2024.

09/02/2021

Here come the Speed Limits again - LVR restrcitions from the Reserve Bank in force from March 1, but we know that many banks have imposed these voluntarily already.

From March 1st a 30% deposit required for investment properties, rising to 40% in May.

Will this slow the market or allow First Home Buyrs a better chance..? Only time will tell.

The Reserve Bank has confirmed it will reimpose loan to value ratios (LVRS) from 1 March at 20 percent for first home buyers and 30 percent for property investors.

11/08/2020

Manage your money differently. Reduce your debt with our tailored mortgage structure, backed by personalised service.
Our approach could help you achieve financial freedom, faster, while still living the life you want.

We’re passionately Kiwi and passionately local, with 70 offices nationwide. And we’ve got 20 years experience helping New Zealander’s get ahead.

Why not be one of them?

Achieve Financial Freedom, Faster with NZHL.

*Example based on a $400,000 30 year principle and interest loan with a constant 4% p.a. interest rate, monthly after-tax income of $7000 and monthly living expenses of $3000 for the entire term of the home loan.

27/04/2020

SURVIVE or THRIVE - STEP 6: SEE the OPPORTUNITY

This is the step to take if your income has not been affected, your home value is higher and you have equity and or cash assets. Talk to a trusted adviser about overhauling your finances & making the most of opportunities that may lie just around the corner....
Get in touch - 03 9282824 or [email protected]

26/04/2020

SURVIVE or THRIVE - STEP 5: CONSOLIDATE

If you have a sneaky Credit Card debt or two, a Car loan or Personal Loan - now might be the perfect time to consolidate those debts to free up cash outgoings. These can still be paid off in a relatively fast manner, but the interest rate could be significantly lower through proper NZHL Home Loan debt consolidation structure.

25/04/2020

SURVIVE or THRIVE - STEP 4: TRIM

Have a really good look at your expenses & think about what you can cut out, or cut down. Small savings made weekly add up to lots over the course of the year.