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The New Zealand mortgage market is undergoing tremendous change with more lenders, more offers, and more options available to the borrower to structure home loans to suit their needs. The rapid growth in use of the Internet by mortgage operations is both a consequence and a symptom of the rapid development of the mortgage market as well as of the underlying information and communication technology. Given the increasing number of online mortgage service providers and increasing advertising to promote awareness of their websites, it is important to evaluate the effectiveness of the Internet solutions. A multi-method approach (including website content analysis, two surveys, and interviews) was adopted for this study.