Traction resources

Helpful resources for your mortgage journey

Whether you're buying your first home, reviewing your mortgage or planning your next move, you'll find practical guides and calculators here to help you get started.

Buying a home

Useful information for every stage of your home buying journey.

Free interactive toolOpen Home ChecklistTake this checklist to your next open home. Rate what you see, keep notes and save a printable inspection report.View resource First home buyingHow to Make an OfferUnderstand the steps involved in making an offer, from speaking with the agent to having your lawyer review the agreement.View resource First home buyingWhere Your Deposit Can Come FromExplore KiwiSaver, savings, gifted funds and other ways to put together your deposit.View resource First home buyingSaving for Your First HomePractical guidance on building your savings and preparing for a home purchase.View resource First home buyingKāinga OraLearn about Kāinga Ora home ownership support and where to check current eligibility.View resource First home buyingThe Mortgage ProcessFollow the steps involved in applying for a mortgage, from your first conversation through to settlement.View resource First home buyingCosts of Buying a HomeSee the upfront and ongoing costs to consider alongside your deposit.View resource Home buying guidePre-Approval ExplainedUnderstand what a pre-approval means, common conditions, expiry dates and what happens when you find a property.View resource Home buying guideDeposit Options ComparedCompare 20% deposits, Kāinga Ora First Home Loans and standard low-deposit lending for owner-occupiers.View resource Home buying guideSale & Purchase Agreements ExplainedUnderstand what the agreement covers, finance conditions, deposits and why your lawyer should review it before you sign.View resource Mortgage preparationBank Statements & Account ConductLearn what lenders look for in bank statements, how to prepare and why an occasional hiccup does not automatically rule you out.View resource

Calculators and planning tools

Explore your numbers and plan your next steps.

Calculators & planningMortgage Repayment CalculatorEstimate weekly, fortnightly or monthly repayments and explore different mortgage scenarios.View resource Calculators & planningBudget PlannerWork through your income and expenses to get a clearer picture of your household budget.View resource Calculators & planningEquity CalculatorEstimate how much equity you have in your property and understand what may be available to use.View resource

Understand your mortgage

Get familiar with the terms and choices involved in home lending.

Understanding mortgagesMortgage GlossaryPlain-English explanations of common mortgage and lending terms.View resource Understanding mortgagesLoan Structure ExplainedUnderstand different mortgage structures and how they can affect your repayments and flexibility.View resource Understanding mortgagesMortgage Reviews ExplainedExplore refixing, restructuring and refinancing, including potential costs and how an adviser can help compare options.View resource Mortgage strategiesMortgage-Free FasterPractical strategies to reduce your mortgage sooner, from extra repayments to flexible loan structures.View resource

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These resources provide general information only and are not personalised financial or legal advice. Lending criteria, interest rates and eligibility requirements may change. Speak with a Traction adviser about your circumstances.

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