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

The Property Academy Podcast · Oct 1, 2026 · 19m

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…