Can self-employed borrowers get a mortgage in New Zealand?

Yes. Many lenders support self-employed borrowers, although the documentation requirements can differ from standard PAYE applications.

What is a bridging loan?

A bridging loan provides short-term funding to help purchase a property before the sale of an existing one settles.

Do I need to use the same bank for my home loan and investment property?

No. Many investors structure lending across multiple lenders to improve flexibility and borrowing capacity.

Home Loans + Mortgages NZ

Guiding Kiwis into homes for over 26 years with trusted home loan and mortgage advice built around how Kiwis really live, earn, and buy property.

Talk to a Mortgage Advisor Calculate repayments

Home loans for self-employed

If you’re self-employed or a contractor, getting a home loan doesn’t have to be hard. We provide expert mortgage advice and access to lenders who understand business income and flexible structures.

View Self-Employed Loan options

Family of 3 on the couch taking a selfie

First home buyers

First home buyer mortgages made simple. We guide Kiwis through KiwiSaver, first home grants, and lender options, cutting through the noise so you can secure the right home loan and buy with confidence.

View First Home Loan options

Renovation + building loans

Funding your build or renovation, without the stress. We help Kiwis structure construction and renovation loans that match build stages, budgets, and real-world timelines.

View Renovation Loan options

Second mortgages

Need access to equity without refinancing? A second mortgage can fund renovations, business investments, or debt consolidation with the right structure and advice.

View Second Mortgage options

Bridging loans

At Luminate, we provide short-term bridging loans in New Zealand to help you secure property while you wait for a sale, refinance, or settlement to complete.

Explore Bridging Loan options

We work with top lenders to find a solution right for you

TOOLS + CALCULATORS + RATES

What will my repayments be?

Calculate how much your mortgage repayments might be with our calculator.

Calculate your repayments

How much could you borrow?

Find out how much you could borrow for your home loan with our easy to use calculator.

Calculate now

Latest home loan rates

We bring home loan rates together in one place, so you can compare what banks and lenders are offering.

Check the latest rates

Proven results

Experience matters and we've got results that help Kiwis everyday.

26+

Years helping Kiwis into homes

1.5+

Billion in lending

1000+

Happy customers

How much could you borrow?

^{Important Information}
^{This calculator is a general guide only and is intended to provide illustrative results based on the information you enter.}
^{It does not constitute financial advice, nor does it take into account your personal circumstances, objectives, or lending eligibility.}
^{Actual loan terms, repayments, and interest rates may vary depending on your situation and lender requirements.}
^{We recommend speaking with a Luminate adviser before making any financial decisions.}

Today's best 2-Year fixed rates

Lumi, our AI, last checked these rates on: 01 April 2026 at 03:50 PM

Bank of China

4.78%

Special

2 Year Fixed

Bank of China

4.78%

Special

2 Year Fixed

BNZ

4.89%

Standard

2 Year Fixed

ICBC

4.89%

Special

2 Year Fixed

View all home loan rates

Disclaimer: Rates are sourced from publicly available lender information and updated twice daily using AI-assisted technology. They are intended as a general guide only, may change without notice, and lending criteria, fees, and conditions apply.