Apply for a home loan

Whether you’re applying for a new home loan, looking to move your home loan or topping up your existing home loan, you can start with our online application form.

It all starts with conditional approval

If your application is successful, you’ll be conditionally approved. This means that we’ve agreed to loan you a certain amount of money based on the information you’ve provided us. At this point you’re not committed to anything, and our offer lasts three months as long as you continue to meet the criteria. Getting conditionally approved can be helpful for:

  • Your first home or a new purchase – it lets you know how much you can afford to spend. This can make putting an offer on a house a lot quicker and easier, and is often attractive to sellers.
  • Moving your home loan to Kiwibank from another bank - gives you confidence that we’re willing to loan you the amount you want before you make your final decision.
  • Topping up your home loan - can let you know how much extra you may be able to borrow on your existing Kiwibank Home Loan – handy for things like home renovations and debt consolidation.

Ready to apply?

Applying takes around 25 minutes, and you can save and come back to your application if you need to. We’ll ask you about your earnings, expenditures, savings and how much you’d like to borrow.

Talk to an expert

One of our Mobile Mortgage Managers can come to you, or our Banking Consultants are available in selected branches.

Find an expert

New to Kiwibank?

Complete our online application form.

Apply now

Already a Kiwibank customer?

Login to internet banking and go to Apply & Open to get started.

Login to internet banking

Talk to an expert

At any stage of your home buying journey, our home loan experts are available to give you obligation-free advice and guide you through the process right to the end.