NZHL

What NZHL does

NZHL (legal entity: The New Zealand Home Loan Company Limited; previously New Zealand Home Loans) is a 100% New Zealand-owned, non-bank mortgage and insurance advisory network operating through a franchise model of more than 70 offices nationwide. Founded in 1996 and headquartered in Auckland (with operations in Hamilton), NZHL serves consumer retail clients — first home buyers, existing homeowners refinancing, and insurance purchasers — via dedicated personal consultants ("Mortgage Mentors") who deliver face-to-face advisory engagements and ongoing coaching across the life of each loan. The company's flagship methodology is a "smart home loan structure" that uses client income and savings to offset interest payments, with the company claiming clients typically pay off mortgages roughly ten years sooner than standard bank terms. This methodology is supported by DebtNav, a proprietary online financial planning tool, and by Akahu open-finance integration that pulls transaction data and bank statements from eleven NZ banks for adviser-side financial assessment.

NZHL operates five wholly-owned subsidiaries covering mortgage advisory (NZHL Mortgage Advisory Limited), insurance (Insurance Link General Limited, trading as FG Link), financial advisory (Link Advisory Services Limited), a financial services holding entity (Link Financial Group 2022 Limited), and the CRM technology platform (Advice Link (NZ) Limited). Revenue is generated through commissions from facilitating home loans with multiple lenders and referral/commission revenue from partner insurance providers including AIA, Fidelity Life, nib, Tower, and Vero; the company also distributes the Kainga Ora First Home Loan government scheme for low-deposit first home buyers.

The go-to-market motion is sales-led and franchise-driven: free initial consultations feed into dedicated consultant relationships and multi-year coaching engagements, reinforced by content marketing (the "Tea with Tony" video series with economist Tony Alexander and the NZHL Property Report) and community sponsorship (the 11-year XRACE title sponsorship). Technology is operational rather than transformational — CRM, open-finance data ingestion, and client self-service calculators — and the company has no disclosed AI/ML capabilities, public funding rounds, or M&A activity. Leadership includes Kip Hanna as CEO NZHL Group and Andrew Richardson as CTO.

Name

NZHL

Legal name

The New Zealand Home Loan Company Limited

Website

https://nzhl.co.nz

Company type

Private

Founded year

1996

Operating status

Operating

Headcount range

101–250 employees

Short description

NZHL is a 100% New Zealand-owned, non-bank mortgage and insurance advisory network operating 70+ franchise offices nationwide, serving first home buyers, refinancers, and insurance clients with smart home loan structuring, the DebtNav planning tool, and dedicated personal consultants.

Ownership category

akta.pro rank

Product category

Mortgage Advisory Services

NAICS

Mortgage and Nonmortgage Loan Brokers (522310), Mortgage and Nonmortgage Loan Brokers (52231)

SIC

Loan Brokers (6163)

akta.pro primary industry

Mortgage & Loan Introducers (Residential & Commercial) (FSAEAMAA)

akta.pro secondary industry

First-Time Homebuyer (FTHB) Mortgage Origination (FSALAAAG)

Keywords

• Mortgage advisory services
• Home loan structuring
• Insurance advisory
• Financial planning tools
• Mortgage brokerage

Headquarters

HQ city

Hamilton

HQ country

New Zealand

HQ region

Oceania

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D

Revenue model

1. Mortgage Advisory Services: NZHL provides mortgage advisory services to help clients obtain home loans. The company works with multiple lenders and earns commissions or fees for facilitating loan approvals.
2. Insurance Products: NZHL offers insurance products including life, health, income, and home and contents insurance through partnerships with multiple insurance providers, earning referral or commission revenue.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels5 records

Core offering

NZHL is a non-bank mortgage and insurance advisory network that advises New Zealand consumers on home loans (including first home purchases, refinancing, and Kainga Ora First Home Loans) using its proprietary Smart Home Loan Structure methodology that offsets interest via income and savings, alongside debt protection, life, health, income, and home and contents insurance products. Services are delivered through a national franchise of 70+ local offices supported by a one-to-one Mortgage Mentor coaching model and the DebtNav online planning tool.

Product overview

NZHL is a 100% New Zealand owned mortgage and insurance advisory network operating through a franchise model with 70+ offices nationwide. The company provides a single integrated service combining home loans (including refinancing, first home buyer loans, and Kainga Ora First Home Loans) with insurance products (life, health, income, home and contents). The core differentiator is NZHL's 'smart home loan structure' methodology, which uses income offsetting to reduce interest payments and help clients pay off mortgages faster. This is supported by DebtNav, an online financial planning tool, and continuous personalised coaching from Mortgage Mentors throughout the life of the loan.

Differentiator

Problem solved

Functional benefit

Brands

• DebtNav: Online financial planning tool for clients to plan, monitor and review progress towards financial freedom
• Mortgage Mentor

Products and services

• Smart Home Loan Structure NZHL's signature mortgage structuring approach for individuals and families that uses income and savings offsetting to reduce interest payments and shorten loan terms, with clients often paying off mortgages about a decade faster than with standard bank mortgages.
• First Home Buyer Home Loans (including Kainga Ora First Home Loan) Mortgage advisory service for New Zealand individuals buying their first home, including guidance on and access to the Kainga Ora First Home Loan program enabling purchases with as little as a 5% deposit, supported by personalised Mortgage Mentor coaching.
• Mortgage Refinancing Service Refinancing advisory service for existing homeowners in New Zealand, applying the Smart Home Loan Structure to existing mortgages to reduce interest paid and shorten loan life.
• DebtNav Online Financial Planning Tool Online financial planning tool for NZHL clients that helps plan, monitor and review progress toward paying off their mortgage and reaching financial freedom, complementing the Smart Home Loan Structure.
• Life Insurance Life insurance coverage distributed through NZHL's insurance advisory service to individuals and families across New Zealand, typically arranged on referral from a Mortgage Mentor and through partner providers including AIA, Fidelity Life, and others.
• Health Insurance Health insurance coverage distributed by NZHL to individuals in New Zealand, sourced from partner providers such as nib NZ Limited, arranged via the insurance advisory service.
• Income Protection and Mortgage Protection Insurance Income Protection insurance that covers illness or injury to help with home loan payments, debts, and costs, plus Mortgage Protection cover specifically for home loan repayments if the insured cannot work due to illness or injury; for NZHL clients protecting mortgage obligations.
• Home and Contents Insurance Home and contents insurance coverage arranged through NZHL for property owners and landlords, with flexibility to cover rental properties, landlord contents, and additional items such as vehicles, boats, and campervans.
• Franchise Ownership Opportunities Franchise offering enabling local New Zealand entrepreneurs to operate NZHL-branded mortgage and insurance advisory offices under the national support office and standards.

Quantifiable outcome

• NZHL clients often pay off mortgages 10 years sooner than standard bank mortgage terms
• +2 more outcomes

Named customers2 records

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration1 record

Feature3 records

Partnerships

Nine partnerships are on record, tiered core and minor.

• XRACEcoreGTM or Marketing Partner · 1 January 2024NZHL is title sponsor of XRACE, a nationwide family adventure series. Now in its 11th year as title sponsor (2026), the partnership supports events that bring Kiwi families together, build resilience, and create memorable experiences. NZHL has committed to a 3-year extension.
• AkahucoreTechnology or IntegrationAkahu is New Zealand's open finance platform. NZHL uses Akahu to provide advisers with customers' financial data including bank account expense transactions and bank statements (last 90 days) to assess financial position for home loan and insurance applications. Customers can alternatively provide data manually.
• AIA New Zealand LimitedminorOthersInsurance provider partner listed in NZHL's privacy statement as a third party with whom personal information may be shared for insurance product and claim administration purposes.
• Fidelity Life Assurance Company LimitedminorOthersInsurance provider partner listed in NZHL's privacy statement for insurance product and claim administration purposes.
• nib NZ LimitedminorOthersHealth insurance provider partner listed in NZHL's privacy statement for insurance product purposes.
• Tower LimitedminorOthersInsurance provider partner listed in NZHL's privacy statement for insurance product purposes.
• Vero Insurance New Zealand LimitedminorOthersInsurance provider partner listed in NZHL's privacy statement for insurance product purposes.
• Booster Group LimitedminorOthersFinancial services provider partner listed in NZHL's privacy statement as a third party with whom information may be shared.
• Kainga OracoreStrategic or Co-development PartnerNZHL is among a limited list of providers offering Kainga Ora First Home Loan, a government program that allows first home buyers to purchase with as little as a 5% deposit. NZHL helps clients navigate eligibility requirements and application process.

Scale indicators1 record

Recent moves5 records

Expansion highlights4 records

Market position

Competitive moat4 records

Key highlights6 records

Customer concentration

• YouTubeyoutube.com/@nzhl
• Facebookfacebook.com/nzhlcompany
• LinkedInlinkedin.com/company/new-zealand-home-loans
• Xx.com/nzhomeloans

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

Subsidiaries5 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about NZHL