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	Comments on: Why credit history matters for NZ first home buyers in 2026	</title>
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		By: Understanding credit scores NZ: a first home buyer&#039;s guide		</title>
		<link>https://mortgagemanagers.co.nz/why-credit-history-matters-nz-first-home-buyers/#comment-808</link>

		<dc:creator><![CDATA[Understanding credit scores NZ: a first home buyer&#039;s guide]]></dc:creator>
		<pubDate>Sun, 05 Apr 2026 00:51:49 +0000</pubDate>
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					<description><![CDATA[[&#8230;] how credit score affects home loans is the foundation of smart mortgage planning. And knowing why credit history matters before you apply can save you a lot of stress down the [&#8230;]]]></description>
			<content:encoded><![CDATA[<p>[&#8230;] how credit score affects home loans is the foundation of smart mortgage planning. And knowing why credit history matters before you apply can save you a lot of stress down the [&#8230;]</p>
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