Chat to our home loan adviser:
0800 367 469

Home loans

Get an amazing deal on your home loan.

  • With dosh, you're in safe hands. Our home loan advisers will guide you through every step of the process, whether you're getting your first home, moving house or refinancing your mortgage.
Get a mortgage rate and structure that fits your goals and circumstances
Receive cashback on eligible home loans*, plus the added bonus of Phone Dollars from One NZ**
Learn more about our exclusive partnership with One NZ here.
Book a free chat
Discuss your options with a mortgage adviser
→
Apply now
Get started with your home loan application
→
* Cashback offers (if available) are made by the lender and are subject to the lender’s eligibility criteria and loan terms.
**Dosh home loan reward offer has a minimum loan size of $300,000, minimum 1 year fixed, you must keep your home loan for 24 months from settlement, and eligibility criteria and T&Cs apply. The Phone Dollars reward is provided exclusively by One NZ. Use Phone Dollars towards interest-free phones, with Pay Monthly plan & min $99 deposit. Max balance of $4,999 Phone Dollars. Eligibility criteria & terms apply, see one.nz/one-wallet

Review your options with expert advice

Getting a home loan or deciding whether to refinance can be confusing. Our home loan advisers will find the right mortgage option for you and answer all your questions.

And did we mention, you can book a free chat?

Jason made my home loan refinance incredibly easy. Clear communication, fast turnaround, and always available when it mattered. The level of service was top shelf — professional, stress-free, and done right the first time. Highly recommend.

Heath W
Book a free chat or call now
0800 367 469
Discuss your options with a mortgage adviser
→

With dosh, you get more rewards on your home loan

Dosh has partnered with One NZ to bring you Phone Dollars. And when you settle a home loan through dosh (whether that's buying a home or refinancing), you'll get $1,700 Phone Dollars. Eligibility criteria and T&Cs apply.
‍
That's in addition to a great interest rate and any cashback on your loan.
‍
$1,700 Phone Dollars = $1,700 to put towards your next interest-free phone with One NZ.
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Want to find out more? Book a free chat with a mortgage adviser or go ahead and apply online now.

Book a free chat
Discuss your options with a mortgage adviser
→
Apply now
Get started with your home loan application
→

Get a great mortgage interest rate

Check out the latest advertised interest rates available here, or just let us do the work of finding you a great deal. We can often negotiate better home loan rates for you than those advertised. Speak to an adviser today.

Use our handy repayments calculator below to see how much you could be saving with dosh's help.

Jason really helped me out getting my refinance sorted. He made the whole process easy to understand and worked hard to secure me a great deal on my interest rate.

Rob S
Book a free chat
Discuss your options with a mortgage adviser
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*Requires a minimum of 20% equity and is subject to change. T&Cs apply.
today's top rate
p.a.
%
4.79
1 year fixed*

What could your repayments be?

Get an indicative picture of your repayments. Our advisers will fine-tune this with real lender rates.

Loan amount

$
$100k$2M

Loan term 25 Years

5 Years30 Years
Interest rate View all rates →

Monthly repayment

$0

at 4.79% p.a.

Weekly repayment

$0

at 4.79% p.a.

Rates displayed are for informational purposes only, require a minimum of 20% equity, and are subject to change. The information provided does not constitute financial advice. We recommend seeking advice from a dosh mortgage advisor before taking out a home loan. Lending criteria, terms, and conditions apply to all home loans through dosh.

Customer stories

What our customers have received

Auckland
SWITCHED LENDERS
  • $350k home loan and cashback
  • A new iPhone 17 funded by $1,700 Phone Dollars from One NZ
Christchurch
FIRST HOME BUYER
  • $600k home loan and cashback
  • A new Samsung Galaxy S25 funded by $1,700 Phone Dollars from One NZ
Nelson
SWITCHED LENDERS
  • $500k home loan and cashback
  • A new OPPO Find X9 Pro funded by $1,700 Phone Dollars from One NZ
Terms & Conditions, eligibility and qualifying criteria apply. Individual outcomes will vary by application.

How it works with dosh

We keep our process simple and your adviser will be with you every step of the way.

Step 1

Apply online or book a chat with one of our mortgage advisers.

Step 2

We’ll review your goals and circumstances, then recommend a home loan structure that suits you.

Step 3

We’ll help you secure a loan offer, aiming for a competitive rate, lender cashback and One NZ Phone Dollars (if eligible).

Step 4

If you accept a lender’s offer, we’ll support you through to settlement with the lender.

Step 5

If eligible, you’ll receive $1,700 Phone Dollars from One NZ after settlement (One NZ terms apply).

Book a free chat
Discuss your options with a mortgage adviser
→
Apply now
Apply online in minutes
→

My wife and I would like to convey our gratitude to the team at Dosh, they made the process simple and seamless, they kept us apprised every step of the way. I dislike dealing face to face with banks as it can be an arduous and often demoralising experience. Dosh made it simple, keep up the great work guys. Thanks again.

Ben

How can we help?

Buying a property

Apply for a home loan through dosh  to buy a property or get a pre-approval.

Refinancing

Apply to switch your current home loan over through dosh.

Access guides and information

Discover home loan guides and information to help you along the way.

Repayments calculator

Check what your estimated repayments could be with a  home loan through dosh.

Need advice?

Contact our lending team for personalised financial advice so you can make confident decisions when buying, refinancing, or switching your home loan.
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Leave your details, and our home loan adviser will be in contact with you.

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Frequently asked questions

I’m not a One NZ customer, so how can I use my Phone Dollars from dosh?

If you’re not with One NZ you can still earn Phone Dollars that can be used towards getting your next phone upgrade, faster. Simply sign up to dosh and you’ll be able to access your One Wallet in your dosh app and start earning Phone Dollars.

How do I get my phone when I settle a home loan through dosh?

Upon settling a home loan through dosh, One NZ will give you a $1,700 Phone Dollar reward. Every Phone Dollar equals one real dollar off the price of a new interest-free phone at One NZ. You can also use the trade-in value of your old phone towards your phone upgrade. For more detail see one.nz/one-wallet
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Where can I learn more about Phone Dollars?

Head here to view our full list of FAQ’s on Phone Dollars or for more detail see one.nz/one-wallet

Am I eligible to apply for a home loan through dosh?

To be eligible to apply for a home loan through dosh, you must meet the below criteria:

- You are 18 years or older

- You are a New Zealand citizen or permanent resident

- Have a stable and regular income (evidence is required)

- Be able to provide income and liability information upon request


For the full list of eligibility criteria and LVR requirements see here.

Can I receive financial advice on my home loan from dosh?

Yes, dosh is a licenced Financial Advice Provider, registered with the Financial Markets Authority (FMA) to provide financial advice for home loans. Book a free no-obligation meeting with our adviser using the links above.

What will it cost me to receive Home Loan advice?

Most of our advice services are provided at no cost to you. This is because we are paid commission by the lending Bank. See our Public Disclosure for more information.

Can I get the Phone Dollars offer via a broker?

No, the Phone Dollars offer is exclusive to dosh and not available via brokers.

Apply now

Make your move today and apply for a home loan through dosh in minutes.

Apply now

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Office:
Level 3, 30 Daldy Street, Auckland CBD
Dosh is a brand of MCA Investments Limited, a registered company in New Zealand (NZBN 9429048713511), and a registered financial services provider (FSP1000801). MCA Investments Limited is a licensed Financial Advice Provider (FAP) providing regulated financial advice on home loans. See our Financial Advice Disclosure.

Dosh is not a registered bank. However, your funds are held at a NZ registered bank.
© 2026 MCA Investments Limited.
Dosh home loan reward offer has a minimum loan size of $300,000, minimum 1 year fixed term, you must keep your home loan for 24 months from settlement, and eligibility criteria and T&Cs apply.  

The Phone Dollars reward is provided exclusively by One NZ. Use Phone Dollars towards interest-free phones, with Pay Monthly plan & min $99 deposit. Max balance of $4,999 Phone Dollars. Eligibility criteria & terms apply, see one.nz/one-wallet.
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