House Prices in New Zealand and Mortgage Rates
August 1, 2025

House Prices in New Zealand and Mortgage Rates

Average house prices in New Zealand from the 80s & why house prices fell in 2008. Learn how the 80s shaped the housing market we have in 2025.

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How do fees and interest rates work when financing a loan?
January 31, 2022

How do fees and interest rates work when financing a loan?

Whether you are looking to take out a new personal loan, refinance existing debt, or have a…

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dollars and cents
September 20, 2020

Rates & Fees

Schedule of Rates & Fees Interest Rates Alternate Finance provides loans at an annual interest rate from 9.95%…

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Does Applying for a Loan Affect Your Credit Score in NZ?
July 29, 2026

Does Applying for a Loan Affect Your Credit Score in NZ?

Yes, applying for a loan can affect your credit score in New Zealand. When you make a…

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dollars and cents
May 1, 2026

Affordability Assessments

Before we lend you a single dollar, we need to be confident you can comfortably afford the…

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dollars and cents
April 13, 2026

Your Rights as a Borrower in New Zealand

Borrowing money is a significant financial decision. In New Zealand, borrowers are protected by a range of…

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Overdrafts vs Personal Loans – Which Is Better for You in New Zealand?
March 2, 2026

Overdrafts vs Personal Loans – Which Is Better for You in New Zealand?

When your business or personal finances face timing gaps or unexpected costs, you might consider using a…

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Credit Cards vs Personal Loans – Which Is Better in New Zealand?
February 23, 2026

Credit Cards vs Personal Loans – Which Is Better in New Zealand?

If you need to borrow money, it’s common to weigh up using a credit card versus taking…

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Buy Now, Pay Later (BNPL) vs Personal Loans – Which Is Better?
February 10, 2026

Buy Now, Pay Later (BNPL) vs Personal Loans – Which Is Better?

When you need to spread the cost of a purchase, Buy Now, Pay Later (BNPL) services can…

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Financial Literacy Games that Help Students Learn About Money
November 3, 2025

Financial Literacy Games that Help Students Learn About Money

How do most kids learn to excel at important things in life? Education and practice are the…

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Average Cost for a Holiday to Popular Vacation Spots for Kiwis in 2025
October 21, 2025

Average Cost for a Holiday to Popular Vacation Spots for Kiwis in 2025

The holiday season brings excitement, but expenses can spiral fast. Between flights, accommodation, activities, and unexpected costs,…

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Consumer Protection and the Responsible Lending Code of New Zealand 
August 30, 2025

Consumer Protection and the Responsible Lending Code of New Zealand 

Back in the day, there was no such thing as the responsible lending code of New Zealand….

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Debt Consolidation for Credit Cards in New Zealand — How It Actually Works
June 14, 2025

Debt Consolidation for Credit Cards in New Zealand — How It Actually Works

Debt consolidation for credit cards is one of the most common reasons Kiwis come to us. You’ve…

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Kiwi’s Treasure Chest: Starting Your Emergency Fund
April 17, 2025

Kiwi’s Treasure Chest: Starting Your Emergency Fund

Introduction: Building An Emergency Fund That Won’t Let You Sink! Hey there, Kiwi crew! Are you geared…

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Complete Guide to Building Credit After Migrating to New Zealand
March 8, 2025

Complete Guide to Building Credit After Migrating to New Zealand

Many people migrate to New Zealand, and while they can get jobs and bank accounts, many struggle…

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Understanding Short-Term Loans & If They are the Right Option for You?
January 27, 2025

Understanding Short-Term Loans & If They are the Right Option for You?

In Ne Zealand’s fast-paced financial landscape, short-term loans have emerged as a popular option for individuals seeking…

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Tackling Debt with the Avalanche Method: A Guide for Kiwis
July 23, 2024

Tackling Debt with the Avalanche Method: A Guide for Kiwis

Paying off debt is a life lesson that all Kiwis should learn. One extremely effective strategy is…

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dollars and cents
January 30, 2024

Loans for Business

Get a Small Business Loan Fast Alternate Finance has competitive interest rates on all business loans up…

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Vanlife – Embracing the Open Road in New Zealand!
January 23, 2024

Vanlife – Embracing the Open Road in New Zealand!

There’s only one way to travel around NZ and that’s in a camper ! We’re here to…

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dollars and cents
November 28, 2023

Personal Loans

What a personal loan is and how it works Personal loans NZ are a straightforward way for…

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2024 Financial Game Plan: A Kiwis Guide to Setting and Sticking to Money Goals Next Year
November 22, 2023

2024 Financial Game Plan: A Kiwis Guide to Setting and Sticking to Money Goals Next Year

Introduction: Crafting Your 2024 Financial Game Plan Kia ora, fellow Kiwis! As we bid farewell to 2023,…

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Tackling Christmas Debt: A 5 Min Guide On How To Use Layby and Afterpay To Stay Out Of Credit Card Debt for Kiwi’s
October 25, 2023

Tackling Christmas Debt: A 5 Min Guide On How To Use Layby and Afterpay To Stay Out Of Credit Card Debt for Kiwi’s

Introduction: The Kiwi Christmas Spending Dilemma Believe it or not, Xmas is nearly here….again! It’s that time…

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How to Pay Off Debt Faster: Repay Debt With These Strategies
September 14, 2023

How to Pay Off Debt Faster: Repay Debt With These Strategies

Kia ora, New Zealand! How to pay off debt faster and how to get out of debt…

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Caravan Finance
August 15, 2023

Caravan Finance

Caravan Finance in New Zealand: Your Ticket to the Open Road Dreaming of exploring Aotearoa’s scenic routes…

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Unlocking The Advantages of Refinancing Your Loan: 5 Minute Guide
August 14, 2023

Unlocking The Advantages of Refinancing Your Loan: 5 Minute Guide

Introduction: Understanding Why It Is Worth Refinancing For A Better Deal! Ever felt burdened by your loan?…

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How To Pay Off Mortgages Fast: 4min Guide For Kiwis
July 4, 2023

How To Pay Off Mortgages Fast: 4min Guide For Kiwis

Introduction: A Kiwi’s Roadmap To Pay Off Mortgages Faster! If you’re here, you’re probably wondering things like…

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No Credit Check Loans – Are They Legit in New Zealand?
June 15, 2023

No Credit Check Loans – Are They Legit in New Zealand?

Introduction: What are No Credit Check Loans? When you’re in a tight spot financially, we get it….

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7 Ways to Avoid Getting Trapped in a Debt Cycle
May 8, 2023

7 Ways to Avoid Getting Trapped in a Debt Cycle

Kia ora, folks! Struggling with debt can be tough, and it’s not uncommon to find yourself in…

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Unlocking The Potential Of Business Finance: A Guide To Available Options
February 13, 2023

Unlocking The Potential Of Business Finance: A Guide To Available Options

Whether you’re operating a small New Zealand business or a large corporation, finance is an integral part…

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How To Make Money Online in New Zealand (An In-Depth Guide)
November 18, 2022

How To Make Money Online in New Zealand (An In-Depth Guide)

Picture this, while you’re sleeping, someone in another time zone is buying your custom t-shirt design. Meanwhile,…

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3 Great techniques for saving money in business💰
October 31, 2022

3 Great techniques for saving money in business💰

Those who own a business should constantly be looking at how to save money 💸, without creating…

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Reduce Debt On Your Personal Expenses – 7 Simple Tips
October 20, 2022

Reduce Debt On Your Personal Expenses – 7 Simple Tips

Reduce debt now and as the economy gets tough, you’ll be in a much better position. Managing…

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What is bridge financing & how it works – 4 min guide.
September 30, 2022

What is bridge financing & how it works – 4 min guide.

You will no doubt have come across the term bridge financing which can be used in many…

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What Is Compound Interest? The 6 Minute Guide
September 22, 2022

What Is Compound Interest? The 6 Minute Guide

What is compound interest? The idea of compounding interest might sound complicated, but it’s actually easy to…

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NZ’s Best Non-Bank Lenders
June 30, 2022

NZ’s Best Non-Bank Lenders

Recently, we have seen the emergence of a new subsector of the finance industry, with particular expertise…

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Short Term Property finance In New Zealand
June 16, 2022

Short Term Property finance In New Zealand

The majority of us have that dream of finding the perfect property, that forever family home, the…

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Debt Consolidation Loans NZ, 13 FAQs Answered
May 1, 2022

Debt Consolidation Loans NZ, 13 FAQs Answered

Before you borrow to clear debt, two free options are worth a call. MoneyTalks, on 0800 345…

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dollars and cents
April 24, 2022

Loan Types

Here you’ll find all types of finance options for Kiwis. Alternate provides easy loans NZ wide, including…

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14 FAQs on NZ Business Loans and Business Finance
April 14, 2022

14 FAQs on NZ Business Loans and Business Finance

Need business finance to grow your Kiwi venture? You’re not alone. Thousands of New Zealand business owners…

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How Much Deposit Do You Need to Buy a House in New Zealand?
March 31, 2022

How Much Deposit Do You Need to Buy a House in New Zealand?

Find out how much deposit you need to buy a house in New Zealand, including LVR rules, Kāinga Ora options, and how to bridge a deposit shortfall.

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