NZ home loan hub | Trade Me Property

How much can I borrow?

Mortgage calculator

How much will your mortgage really cost? Let's crunch the numbers.

How much can I borrow for a mortgage?

27 August 2025 | 5 min read

Interest rates

NZ interest rate predictions from experts & economists (2025 & 2026)

Make informed decisions

14 September 2025 | 10 min read

When is the next OCR announcement in NZ?

27 August 2025 | 3 min read

OCR predictions NZ 2025

6 August 2025 | 7 min read

When will interest rates drop?

20 December 2024 | 5 min read

Feature article

To float or fix long (or short)?

10 April 2025 | 5 min read

Home loan guides

The ultimate guide to mortgages and home loans in New Zealand

Plain-English answers to the biggest mortgage questions, from deposits to repayments.

22 October 2025 | 8 min read

Pay off your mortgage faster with these 20 tips

25 June 2025 | 7 min read

Q&A: Saving for a deposit to buy a home

4 August 2025 | 4 min read

Getting a mortgage if you’re self-employed

4 August 2025 | 2 min read

Working with a mortgage broker in New Zealand

4 August 2025 | 3 min read

Loan to value ratios | Guide to LVR restrictions in NZ

What exactly does LVR mean and how could it affect your home loan?

4 August 2025 | 5 min read

Everything you need to know about home loan deposits in New Zealand

26 August 2025 | 7 min read

Getting financial support for buying your first home in New Zealand

26 August 2025 | 6 min read

How your credit score can impact buying a house in New Zealand

16 April 2025 | 5 min read

What are home loan interest rates and how do they work?

25 June 2023 | 3 min read

Latest News

Wellington rents drop, while national market softens

Rental Price Index - September 2025

22 October 2025

Spring property market blooms as buyer demand surges

Property Pulse Report - September 2025

9 October 2025

Reserve Bank's 'shock treatment': OCR slashed by 0.5%

OCR updates and insights from Chief Economist Kelvin Davidson.

8 October 2025

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