1 Oct 2026

The 7 Types of Mortgages – Which One Is Right For You

About this episode

Almost every Kiwi walks into a bank and gets the same 30-year table loan. It's the default... and for a lot of people, it's not the best fit.

So, what are the other options, and which one should you actually have?

In this episode, Ed and Andrew break down the seven genuinely different types of home loans (no, fixed vs. floating doesn't count).

You'll learn:

The one question that tells you which loan you're really looking at
How offset and revolving credit work, and which suits which person
The reducing loan that could save you meaningful interest

The lesson? The interest rate gets all the attention, but the structure of your loan can matter just as much.

Looking to calculate and compare your mortgage repayment options? Use our mortgage calculator to find out your potential monthly payments.

Ok, now for the legal bit:

The Property Academy Podcast is for your general information. It’s not financial advice.

So the hosts aren’t telling you what to do with your own money. We’ve made every effort to make sure the information is accurate. But we occasionally get the odd fact wrong.

Make sure you do your own research or talk to a financial adviser before making any investment decisions.

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How To Increase Your Borrowing Capacity In 2027 (Broker Secrets)

The 7 Types of Mortgages – Which One Is Right For You

About this episode

Should I Give Up On My Airbnb A Listener's $20,000 Decision

Every Financial Trap You'll Face As Your Wealth Grows

Never Do This At An Auction – Confessions Of An Auctioneer

How To Increase Your Borrowing Capacity In 2027 (Broker Secrets)