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HLF Pulse Media Kit & Citation Guide

Welcome to the official media and citation resource for HLF Pulse—New Zealand’s public reference dataset covering 54 active mortgage, housing, KiwiSaver, tenancy, and protection statistics.

Explore All 54 HLF Pulse Datasets → Contact Andy for Media Commentary

Quick Facts

Publisher: Home Loan Factory
Creator & Lead Researcher: Andy Palliser (Registered Financial Adviser, FSP1004725)
Scope: 54 active datasets derived from official RBNZ, Stats NZ, IRD, FMA, MBIE, NHC, and ACC releases.
Primary Hub: https://pulse-data.homeloanfactory.co.nz/

About HLF Pulse

HLF Pulse was developed by mortgage and KiwiSaver adviser Andy Palliser to provide transparent, reproducible benchmarks across New Zealand’s property and lending markets. Every dataset is built using a strict three-layer design (Official Crown Data, HLF Calculations, and HLF Market Interpretation) and adheres to a rigorous 4-Field Date Standard (Observation Period, Period End, Source Publication Date, and Last Checked).

Media Enquiries & Market Commentary

Journalists seeking expert commentary on New Zealand interest rates, lending regulations, first-home buyer trends, KiwiSaver first-home withdrawals, or housing supply can contact Andy Palliser and the Home Loan Factory team directly at https://www.homeloanfactory.co.nz/contact.

Created by Andy Palliser Creator of HLF Pulse

Mortgage & KiwiSaver Adviser · Home Loan Factory • Registered Financial Adviser (Andrew Jonathan Palliser, FSP1004725)

HLF Pulse was developed by Andy Palliser to make New Zealand mortgage, housing, KiwiSaver, and protection data easier to access, verify, and cite—giving journalists, researchers, and everyday New Zealanders a clear benchmark built on official Crown releases, transparent calculations, and practical market context.

View Andy’s Adviser Profile → · Media & Commentary Enquiries · Licensed under CC BY 4.0

Open the Live HLF Pulse Dataset (All 54 Series) → Browse verified statistics, 3-layer calculations, and one-click citations Request Market Commentary from Andy → Direct contact for journalists, researchers & media enquiries

General market information and historical data benchmarks only, not personalised financial advice. Transparency: Public Disclosures • How We Get Paid

Licensing & Reuse Terms (CC BY 4.0)

To support rigorous financial journalism, academic research, and AI discovery, HLF applies an open reuse policy.

‍Layer 1 (Official Statistics): Underlying official figures remain subject to their original Crown publisher terms (Stats NZ, IRD, MBIE, FMA under CC BY 4.0; RBNZ under RBNZ Terms of Use; NHC and ACC statutory schedules under public-domain NZ legislation)

.Layer 2 (HLF Calculations & Commentary): All HLF-derived calculations, growth rates, data dictionary definitions, and market interpretations are licensed under Creative Commons Attribution 4.0 International (CC BY 4.0). You are free to quote and adapt them with proper attribution.

How to Cite HLF Pulse

Note that every citation for the data has a dedicated copy and paste button so you can load this automatically.
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Manual Method

When citing data or insights from HLF Pulse in news articles, research papers, or reports, please use the following standard format:

HLF Pulse, Home Loan Factory (pulse-data.homeloanfactory.co.nz), derived from [Official Source Table/Release], [Month Year]. Checked [Date]. Licensed under CC BY 4.0.

‍Example citation for first-home buyer low-deposit data: HLF Pulse, Home Loan Factory. “First-home buyers using under 20% deposit (>80% LVR),” September 2026. Derived by HLF from Reserve Bank of New Zealand Table C31. https://pulse-data.homeloanfactory.co.nz/fhb-low-deposit/ (checked 10 November 2026). CC BY 4.0.

Machine-Readable Feeds for Researchers & AI Systems

For developers, data analysts, and AI search engines wishing to ingest verified series programmatically:Structured Data Dictionary (JSON): https://pulse-data.homeloanfactory.co.nz/pulse.jsonWebflow Chat Bubble Feed (JSON): https://pulse-data.homeloanfactory.co.nz/nz-mortgage-pulse.jsonLLM Reference Summary (Markdown): https://pulse-data.homeloanfactory.co.nz/llms.txt

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