![]() " Many young New Zealanders don't know how everyday credit products influence your credit history. Lenders don't like to take risks - good credit helps them help you". While I would argue that the affordability of a loan is what most lenders will be concerned with, being able to show a history of regular credit payment, power and/or broadband payments shows you're a reliable borrower. "​Building a good credit history is an important step to function in New Zealand. built by regular credit cards, utility and direct debit payments) to make sure you're a suitable borrower. ![]() However, the bank will need to see a credit history (i.e. And, when the time comes to apply for a mortgage, having a sufficient deposit and reliable source of income is essential. ![]()
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