Home Loan Factory is now HLF: Check out our new look.
Read more
Home Loan
Factory
Services
Mortgages
Tailored home loan solutions and expert advice to help you secure the best rates.
KiwiSaver
Optimize your fund to maximize your first-home deposit or secure your retirement.
Insurance
Protect what matters most with comprehensive life, health, and income cover.
Resources
Resources
News & Insights
Helpful articles and market updates to help you stay informed
FAQs
Clear answers to your most common questions.
Tools
Home Loan Calculator
Our calculator uses the same methods as banks, covering standard to complex loans.
Borrowing Power Calculator
Estimate your borrowing capacity, factoring in stress-test rates and expenses.
Compare NZ Mortgage Rates
Track and negotiate the best interest rates with major New Zealand banks daily.
Usable Equity Calculator
Calculate your maximum deposit for buying a new home or funding renovations.
Refinance Calculator
Estimate your savings by weighing benefits against costs like break fees.
View all tools
Expert advice, with no fee to you.
Want to check if you're eligible? Discover our Fee Free Guarantee.
Our fee free guarantee
Team
About
Explore our tools
582 reviews
Have questions? Let our expert advisers guide the way.
Talk to an advisor
Explore our tools
Get in touch
Team
Meet our financial advisers
Divya Gandhi
Mortgage Adviser
Deepak Arya
Mortgage Adviser
Andrew Palliser
Mortgage & KiwiSaver Adviser
Reina Heng
Mortgage Adviser
Gagan Sahoonja
Mortgage Adviser
Prashant Balsara
Insurance & Mortgage Adviser
Expert advice for your home loan, KiwiSaver, and beyond.
Contact us
Explore our tools
