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!
Pros and cons of buying a house
How far can your money go?
How much the bank will lend you?
Get your deposit sorted.
Find the right place
Make a checklist
Handy tips for dealing with agents
What to look for when you visit
Legal advice and services
Common property checks
Tenders, auctions, offers
How to set conditions
Fixed, floating, offset, and revolving loans
Your mortgage and home loan agreement
Organising your house and contents insurance
Organising your move, talking to the previous owners, changing your address
Getting the keys and moving in!
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
For a limited time, we’ll give you a house-warming present – $500 to help with those initial moving day expenses.Apply now
We'll better the price you would have paid for an equivalent home loan from any other bank with branches nationwide.Show more
Work out the numbers – how much could you borrow, and what would your repayments be?Calculators and tools
|Offset Mortage||5.50% 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.|
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.