Kiwibank
Menu
  • Internet banking login
  • Home
  • Personal
    • Everyday banking
    • Investments
    • Credit cards
    • Home loans
    • KiwiSaver
    • Personal loans
    • Insurance
    • International & travel
  • Business
  • Join Kiwibank
  • About
  • Contact us
    • Personal

    • Call 0800 11 33 55
    • Send us an email
    • Business

    • Call 0800 601 601
    • Send us an email
    • Full contact details
    • Find a branch
    • Twitter
    • Facebook
Back Next

Thinking about buying your first house?

Buying your first home can be a complex and stressful experience. We've put together this guide to make it easy to get your place sorted!

Read the guide

First home buyers’ guide

  • Read the guide
  • Understand the jargon
  • Talk to us 0800 000 654
  • The guide
  • Should you buy?

    Pros and cons of buying a house

    What can you afford?

    How far can your money go?

    Getting pre-approved

    How much the bank will lend you?

    Saving

    Get your deposit sorted.

    Should you buy?
  • Location

    Find the right place

    What do you want in a house?

    Make a checklist

    Real estate agents

    Handy tips for dealing with agents

    Open homes

    What to look for when you visit

    Finding a house
  • Getting a lawyer

    Legal advice and services

    Checks and reports

    Common property checks

    Ways to make an offer

    Tenders, auctions, offers

    Conditions

    How to set conditions

    Making an offer
  • Structuring your loan

    Fixed, floating, offset, and revolving loans

    Important documents

    Your mortgage and home loan agreement

    Insurance

    Organising your house and contents insurance

    Getting a home loan
  • Before you move in

    Organising your move, talking to the previous owners, changing your address

    Settlement day

    Getting the keys and moving in!

    Moving in
  • Understanding the jargon

We'll lend you up to 95%

At Kiwibank, you don't have to have a 20% deposit to get into your first home – we'll lend you up to 95%, just like we've always done.

Show more

A house-warmer from us

For a limited time, we’ll give you a house-warming present – $500 to help with those initial moving day expenses.

Apply now

6 year price guarantee

We'll better the price you would have paid for an equivalent home loan from any other bank with branches nationwide.

Show more

Apply now

  • Online
  • Face to face
  • By phone

Call our home loan team 0800 000 654

Calculators

Work out the numbers – how much could you borrow, and what would your repayments be?

  • How much can I borrow?
  • What will my repayments be?
  • What can my rent buy me?
Calculators and tools

Home loan rates

Offset Mortage 5.50% p.a.
Variable 5.65% p.a.
6 month fixed 5.25% p.a.
1 year fixed 5.25% p.a.
2 year fixed 4.99% p.a.
3 year fixed 5.65% p.a.
Home loan rates

Understanding the jargon

LIM Report
A LIM (Land Information Memorandum) is available from the local council, and highlights any potential problems such as flooding, potential erosion, zoning issues, hazardous substances on the property, and other useful information.
All jargon
Should we buy a house?- Next
  • Talk to a Mortgage Manager 0800 000 654
  • Apply online
  • Apply in branch

Kiwibank Home Loans are guaranteed to save you money on the overall cost of your home loan over the first six years compared with any equivalent home loan from any other bank with branches nationwide. Or we’ll beat the difference.

For a limited time, if you’re buying your first home you’ll receive $500 when you draw down your home loan, which will be deposited into your Kiwibank bank account on settlement day. If you’re borrowing over 80% we may require that lender’s mortgage insurance be taken out, with the insurance premiums paid by you. Kiwibank Limited.

  • Contact us

  • By phone or email
  • Need help?
  • Find your local Kiwibank/ATM
  • Work for us
  • Personal

  • Everyday accounts
  • Savings accounts
  • Home loans
  • Tools & calculators
  • Rates & fees

  • Personal banking fees
  • Term deposit rates
  • Home loan rates
  • Help

  • Register for internet banking
  • Forgot your password?
  • Forward suspicious emails
  • Join Kiwibank

  • Find a branch
  • Twitter
  • Facebook
  • Privacy policy
  • Terms and conditions
  • Disclosure statements
  • Press releases
  • © 2013 Kiwibank Limited