Home Loan Interest Rates from as low as 3.99% p.a

Access home loan rates as low as 3.99% (subject to approval and lender criteria). Get tailored advice on how to qualify for the best available rates.

  • Benefit from exclusive lender offers—ask about our one-year fixed interest rates, currently as low as 3.99% with major banks.
  • Looking to Buy, Build, Renovate, or Refinance?
  • Our team of independent mortgage brokers and financial advisers will come to you—at home, at work, or online—for a personalised, obligation-free consultation.
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Limited Time Offers – August 2025

$5,000+ Cash Back on Eligible Home Loans

Start your mortgage journey with a major cash bonus. Secure a minimum of $5,000 cash back when you settle an eligible new home loan with one of our lender partners. Terms and conditions apply.

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More lenders means more choices

Why Choose Integrity Home Loans?

  • We Work for You, Not the Bank
     
  • Expert Advice, Simplified
    Independent advice with access to all major banks and specialist lenders.
     
  • Professional, non-sales-focused advisers whose only goal is your best outcome.
     
  • Save Thousands Over Time
    Your journey to your best home loan starts here.
Talk to a Mortgage Pro

Book your appointment

 

Take advantage of these exclusive offers before they’re gone.

Book your meeting now and secure your cash back with a competitive home loan rate.

The offers above are subject to change and lender approval. Terms and conditions apply*.

Our clients love us

As a first-time buyer, I had no idea where to start. The team at Integrity made everything simple and stress-free. They helped me understand KiwiSaver, got my pre-approval sorted fast, and found a loan that suited my budget. Couldn’t have done it without them! — Emily R., Wellington

I'd been with my bank for years but felt like I was overpaying. Integrity Home Loans reviewed everything and found a better rate with another lender — I'm saving $300 a month now! Plus, they handled the switch smoothly. — Jason, Christchurch

needed a smart lending structure for my second investment property. Integrity’s mortgage adviser understood my long-term goals and made it easy. The advice was top-notch, and they were always available to answer my questions. — Aarti, Auckland

FAQ

A mortgage adviser gives you access to more lenders and helps you find better deals — at no cost to you.

Yes! Most brokers are paid by the lender, so you get expert help without paying anything.

Typically 5-10 working days with all documents ready. A broker can speed things up.

Fixed rates offer stable repayments; floating rates change with the market.

Start Your Home Loan Journey with Confidence

Talk to a Mortgage Pro