NZ home loan hub | Trade Me Property

How much can I borrow?

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Mortgage calculator

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

Family who are saving to buy a house

How much can I borrow for a mortgage?

27 August 2025 | 5 min read

Interest rates

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Interest rate predictions 2026

Make informed decisions

23 December 2025 | 10 min read

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Next OCR announcement in NZ - Calendar for 2026

10 February 2026 | 3 min read

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OCR predictions for 2026 & 2027

28 November 2025 | 7 min read

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Feature article

To float or fix long (or short)?

10 April 2025 | 5 min read

Home loan guides

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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

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Pay off your mortgage faster with these 20 tips

25 June 2025 | 7 min read

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

4 August 2025 | 4 min read

Self employed woman on the phone to the bank asking about a mortgage.

Getting a mortgage if you’re self-employed

4 August 2025 | 2 min read

A mortgage broker helping a first home buyer understand mortgages

Working with a mortgage broker in New Zealand

4 August 2025 | 3 min read

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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

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

26 August 2025 | 7 min read

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Getting financial support for buying your first home in New Zealand

26 August 2025 | 6 min read

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

16 April 2025 | 5 min read

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

25 June 2023 | 3 min read

Latest News

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The OCR holds at 2.25%, but is a July increase on the cards?

OCR updates and insights from Chief Economist Kelvin Davidson.

27 May 2026

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Rental market heats up with first national increase for 2026

Rental Price Index - April 2026

19 May 2026

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Southland and small homes lead property price growth

Property Pulse Report - April 2026

8 May 2026

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