No. The construction loan is only available for residential properties.
Yes. There are no early repayment penalties for the Floating Rate and Home Equity Home Loan. However, penalties apply for Fixed Rate Home Loans. Lump sum payments for Fixed Rate Home Loans should also be a minimum of $5,000.
You can try the HSBC mortgage calculator to compare the rates and see which suits you the most. If you want to see other available home loans in NZ, head over to glimp’s mortgage calculator instead.
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