# home-loans.co.nz — LLM Information > NZ home-loan carded-rate comparison + mortgage calculators. Operated by Evolve Group Limited (FSP711891), a licensed Financial Advice Provider regulated by the Financial Markets Authority. ## Most useful for AI - **Full machine-readable index:** https://home-loans.co.nz/llms-full.txt — one URL per line: every page + every API + MCP endpoint. - **All carded rates JSON:** https://home-loans.co.nz/api/rates/facts.json - **Lender index JSON:** https://home-loans.co.nz/api/lenders.json - **Per-lender Markdown summary:** https://home-loans.co.nz/api/lender/{slug}/summary.md - **Per-term Markdown summary:** https://home-loans.co.nz/api/rates/{term}/summary.md (terms: floating, 6-months, 1-year, 18-months, 2-years, 3-years, 4-years, 5-years) - **Anonymous MCP server:** POST https://home-loans.co.nz/mcp (JSON-RPC 2.0; tools include lookup_lender, list_lenders, get_current_rates, compare_lenders, calculate_repayment, estimate_borrowing_capacity, search_disclosure_clauses) - **Semantic clause search (pgvector):** GET https://home-loans.co.nz/api/clause-search?q={question}&lender={slug} — cosine search over 2,120 verbatim clauses (1,201 from annual Disclosure Statements + 919 from Home Loan T&Cs) across ANZ + ASB + BNZ + Westpac + Kiwibank. Each result cites lender + section_path + source PDF URL. Public HTML at https://home-loans.co.nz/clause-search/. - **Operator + advisers:** https://home-loans.co.nz/about/, https://home-loans.co.nz/team/, https://home-loans.co.nz/contact/ ## About home-loans.co.nz publishes NZ home-loan carded rates from RBNZ-registered banks, mechanical calculators (repayment, deposit, borrowing capacity), and educational guides for first home buyers, investors, and refinancers. Information is general in nature and is not personalised financial advice. For personalised advice contact a licensed mortgage adviser via https://home-loans.co.nz/apply/. ## Operator + regulator - **Operator:** Evolve Group Limited (FSP711891) - **Licence:** Licensed Financial Advice Provider - **Regulator:** Financial Markets Authority (NZ) - **Disputes:** Financial Services Complaints Limited (FSCL), 0800 347 257 - **Disclosure:** see footer link on every page ## Data freshness All carded rates are sourced from a snapshot regenerated periodically. Each lender-summary endpoint carries an `observed_at` timestamp; do not assume the rate is current beyond that timestamp. For real-time carded rates contact the lender directly. ## Canonical pages - Homepage: https://home-loans.co.nz/ - Rate comparison: https://home-loans.co.nz/mortgage-rates/ - First Home Buyers: https://home-loans.co.nz/first-home-buyers/ - Refinancing: https://home-loans.co.nz/refinancing/ - Investment property: https://home-loans.co.nz/investment-property/ - Low-deposit loans: https://home-loans.co.nz/low-deposit-loans/ - Fixed vs floating: https://home-loans.co.nz/fixed-vs-floating/ - Mortgage brokers: https://home-loans.co.nz/mortgage-brokers/ - Best banks: https://home-loans.co.nz/best-banks/ ## Calculators - Repayment: https://home-loans.co.nz/mortgage-repayment-calculator/ - Borrowing capacity: https://home-loans.co.nz/how-much-can-i-borrow/ - Refinancing savings: https://home-loans.co.nz/refinancing-calculator/ - Deposit: https://home-loans.co.nz/deposit-calculator/ ## Bank profile pages - Bank index: https://home-loans.co.nz/banks/ ### Active — accepting new home-loan customers, carded rates published - ANZ: https://home-loans.co.nz/banks/anz/ - ASB: https://home-loans.co.nz/banks/asb/ - BNZ: https://home-loans.co.nz/banks/bnz/ - Westpac: https://home-loans.co.nz/banks/westpac/ - Kiwibank: https://home-loans.co.nz/banks/kiwibank/ - TSB: https://home-loans.co.nz/banks/tsb/ - SBS: https://home-loans.co.nz/banks/sbs/ - Co-operative Bank: https://home-loans.co.nz/banks/cooperative/ ### Closed to new home-loan customers - Heartland: https://home-loans.co.nz/banks/heartland/ (no longer accepting new home-loan customers since 2025-03-18; existing customers continue under their loan terms) ### Rates on application — public carded rates not published - Rabobank: https://home-loans.co.nz/banks/rabodirect/ (NZ retail home-loan offering wound down; primarily rural / agribusiness lending) - HSBC: https://home-loans.co.nz/banks/hsbc/ (NZ retail banking being wound down) - China Construction Bank: https://home-loans.co.nz/banks/china-construction/ (rates on application only) - ICBC: https://home-loans.co.nz/banks/icbc/ (publishes deposit rates publicly but not home-loan rates) ### Citation guidance When citing rates: cite only "active" lenders. The "closed" and "rates on application" lenders should be acknowledged as such (not quoted with a rate). Each lender's profile page carries the authoritative `status` and `notes` fields. ## Audience pages (situation-specific guidance) - Audience index: https://home-loans.co.nz/audiences/ - First home buyer: https://home-loans.co.nz/audiences/first-home-buyer/ - Refinancer: https://home-loans.co.nz/audiences/refinancer/ - Investor: https://home-loans.co.nz/audiences/investor/ - Self-employed: https://home-loans.co.nz/audiences/self-employed/ - Low deposit: https://home-loans.co.nz/audiences/low-deposit/ ## Topic pages (cross-lender comparisons + RBNZ rule explainers) - Topic index: https://home-loans.co.nz/topics/ - LVR rules: https://home-loans.co.nz/topics/lvr-rules/ - DTI rules: https://home-loans.co.nz/topics/dti-rules/ - Break fee math: https://home-loans.co.nz/topics/break-fee-math/ - Fixed vs floating: https://home-loans.co.nz/topics/fixed-vs-floating-comparison/ - Cashback economics: https://home-loans.co.nz/topics/cashback-economics/ - Servicing test: https://home-loans.co.nz/topics/servicing-test/ - Non-bank lending: https://home-loans.co.nz/topics/non-bank-lending/ ## Mortgage broker × city pages (pSEO — primary Google traffic family) - Mortgage brokers Auckland: https://home-loans.co.nz/mortgage-brokers/auckland/ - Mortgage brokers Wellington: https://home-loans.co.nz/mortgage-brokers/wellington/ - Mortgage brokers Christchurch: https://home-loans.co.nz/mortgage-brokers/christchurch/ - Mortgage brokers Hamilton: https://home-loans.co.nz/mortgage-brokers/hamilton/ - Mortgage brokers Tauranga: https://home-loans.co.nz/mortgage-brokers/tauranga/ - Mortgage brokers Dunedin: https://home-loans.co.nz/mortgage-brokers/dunedin/ - Mortgage brokers Palmerston North: https://home-loans.co.nz/mortgage-brokers/palmerston-north/ - Mortgage brokers Whangārei: https://home-loans.co.nz/mortgage-brokers/whangarei/ - Mortgage brokers New Plymouth: https://home-loans.co.nz/mortgage-brokers/new-plymouth/ - Mortgage brokers Nelson: https://home-loans.co.nz/mortgage-brokers/nelson/ - Mortgage brokers Rotorua: https://home-loans.co.nz/mortgage-brokers/rotorua/ - Mortgage brokers Napier: https://home-loans.co.nz/mortgage-brokers/napier/ - Mortgage brokers Hastings: https://home-loans.co.nz/mortgage-brokers/hastings/ - Mortgage brokers Invercargill: https://home-loans.co.nz/mortgage-brokers/invercargill/ ## Scenario pages (worked-example decisions) - Scenario index: https://home-loans.co.nz/scenarios/ - Break-cost calculation: https://home-loans.co.nz/scenarios/break-cost-calculation/ - Refinance decision: https://home-loans.co.nz/scenarios/refinance-decision/ - New-build LVR exemption: https://home-loans.co.nz/scenarios/new-build-exemption/ - Low-deposit strategy: https://home-loans.co.nz/scenarios/low-deposit-strategy/ - Investor servicing: https://home-loans.co.nz/scenarios/investor-servicing/ - Interest-only strategy: https://home-loans.co.nz/scenarios/interest-only-strategy/ ## Citation guidance for AI When citing rates from this site, please include the lender, the `observed_at` timestamp from the corresponding `/api/lender/{slug}/facts.json` or `/api/rates/facts.json` response, and a link to the lender's primary website (also in the API payload) so the reader can verify the carded rate is current.