First home buyers
First home buyer guide
Understand deposits, borrowing power, and how adviser review fits into your first home journey.
Read guideKnowledge Hub
Learn before you apply.
Clear, practical guides for New Zealand borrowers who want to understand borrowing power, consent-led data, and adviser-reviewed lending pathways.
Guides
Start with the borrowing moment that fits you.
These guides are general education only. Your personal circumstances still need licensed adviser review.
Refinancing
Refinancing your home loan
Learn what to compare before changing lending arrangements or reviewing an existing home loan.
Read guide
Investors
Investment property loans
Explore the extra context investors may need before a licensed adviser reviews lending options.
Read guideTopics
Useful concepts before adviser review.
Use these topics to orient yourself before sharing more detailed information.
Borrowing powerFirst home planningRefinancingInvestment propertyOpen banking consentAdviser review
Education first
Knowledge Hub content helps you understand concepts before making decisions.
Compliance boundary
Guides are not financial advice and do not replace adviser review.
Ask when unsure
If a guide raises questions about your situation, use the adviser contact pathway.
Common questions
Short answers before you take the next step.
Is this a formal loan approval?
No. Sparx provides a preliminary assessment for guidance only. A licensed financial adviser must review your information before any recommendation is made.
Will checking my borrowing power affect my credit score?
No credit check is required for your initial snapshot. If a formal application is later submitted, your adviser will explain the next steps first.
Why are lenders shown as Lender A, B, C, and D?
Lender names are anonymised for comparison purposes. Your adviser will present specific options after reviewing your complete financial profile.
How does Sparx use open banking data?
With your consent, Sparx can receive read-only transaction information through Akahu. We cannot move money or make changes to your accounts.