Finance tools — in development
Sorting the money is the part most people find most daunting — especially the first time. This is where we make it feel solid: what the pieces are, the order they come in, and who to ask. You're not meant to work it out on your own.
🔬 In development — not live, and not financial advice.
Everything on this page is a demonstration on sample data of finance-side features we're building. None is a live tool, none stores anything, and none goes into a real product until a New Zealand lawyer has cleared how it sits with the financial-advice rules — those questions are on the record at Getting the law right first. For anything about your own finance, talk to a licensed mortgage adviser, your lender, or your solicitor.
Rough repayments
Just a quick feel for the numbers, no strings — type an amount, a rate and a term and see what the arithmetic gives. It's illustrative only — not a quote, not advice, and not what you can borrow. Your lender or a licensed adviser works out what you can actually borrow, and at what rate.
About — a month · — a fortnight · — over the term.
Nothing is stored or sent. Rates change; the figure moves with the rate you type. Talk to a licensed adviser or your lender for a real figure.
Finding a mortgage adviser
We're testing whether a directory like the one below is even the right model — or whether we should simply point you to the official registers and let you choose. For now, the registers are the answer.
The real answer, today: anyone giving mortgage advice in New Zealand must be licensed. Check who is on the Financial Markets Authority financial-advice-provider register and the Financial Service Providers Register, and choose your own. Homeground doesn't refer, recommend or take a cut from anyone.
Sample directory — illustrative names only, not real firms, shown to test the idea:
- Sample Home Loan Advisers (illustrative) — Nelson & Tasman · works across several lenders
- Example Mortgage Co. (illustrative) — nationwide · first-home focus
- Placeholder Finance Ltd (illustrative) — Nelson · self-employed and complex incomes
If a directory is ever built for real, it would be flat-fee-for-presence with neutral ordering and no referral payment — the same shape as the lawyer panel — but only if the lawyer's read (question 8, Getting the law right first) says a directory is sound rather than a plain register link.
Readiness, and early access
On the demand board, buyers can say how ready they are. Here's what a finance-attested view might show a seller — on sample data.
Sample — Nelson & Tasman: of 23 buyer searches, 14 buyers attest they hold a pre-approval, and 6 are lawyer-ready. These are the buyers' own statements — Homeground verifies identity, never finances, and never holds anyone's bank documents. Sample data.
The idea under review: buyers who are furthest along — a lawyer engaged, and finance attested — could see "coming soon" homes first. We'd tie any early access to being lawyer-ready, not to a finance attestation alone, so it can never become a reason to overstate your position. Whether even that is sound is a question for the lawyer (question 9, Getting the law right first) — so it stays here, under review, not live.
Everything on this page is in development, on sample data, and gated on a New Zealand lawyer's opinion. It is general information, not financial advice. The finance checklist and the glossary explain the terms.