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.
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:
Once you've submitted your application, we’ll aim to be in touch within three business days. We're currently experiencing high volumes of applications, so this may take up to 10 business days. If your application is urgent, you can give us a call on 0800 000 654 to speak to our home loan team sooner.
Before applying, you may want to talk through your options with one of our home loan experts.
Our Mobile Mortgage Managers can come to you or our Banking Consultants are available in selected branches for appointments.
Find an expertOur online application form takes around 25 minutes to complete. We'll ask about your earnings, expenditures, savings and how much you'd like to borrow.
Apply onlineLog in to Internet Banking and go to Apply & Open to get started.
Log in to Internet BankingStandard terms and conditions
Kiwibank’s lending criteria, terms and conditions, and fees apply.