How to 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 by talking to our home loan specialists.

The home loan application process

  1. 1

    Talk to a home loan specialist

    Our home loan specialists can walk you through the process of buying a home and applying for a home loan. They'll answer any questions you might have and discuss what your options are with you.

    You can meet our Mobile Mortgage Managers anywhere it suits or set up an appointment with our Banking Specialists in selected Kiwibank branches.

    Find a home loan specialist

  2. 2

    Apply for conditional approval

    Conditional approval will give you an idea of how much money you’ll be able to borrow.

    To apply for conditional approval, please talk to our home loan specialists and they'll help you with your application.

    Once your application has been submitted, we'll be in touch within 10 business days. If your application is urgent, please call 0800 000 654.

    Find a home loan specialist

  3. 3

    Start house hunting

    Having conditional approval means we’ve agreed to loan you a certain amount of money based on the information you’ve provided. At this point, you’re not committed to anything and our offer lasts for 90 days as long as you continue to meet the criteria.

    This means you’ll be able to move quickly and make an offer when you find a house you want and you can focus on looking at houses within your price range.

    More about the property hunt

  4. 4

    Get unconditional approval

    Once you've made an offer and signed a sales and purchase agreement for a property, it's time to go unconditional with your home loan.

    We may need additional information from you such as the property valuation. Our home loan specialist will talk you through exactly what we need to complete the process.

  5. 5

    Finalise your home loan

    Once your application is unconditionally approved, we'll finalise our home loan offer and discuss the loan structure options suitable to your needs with you.

    If you're happy to go ahead with our home loan offer, you'll need to sign some documents and send them back to us.

    More about structuring your home loan

  6. 6

    The settlement

    We'll send the final documents to your lawyer, and they'll need to schedule the settlement date.

    Your loan will then be drawn down and the money transferred to your vendor. Once the vendor receives it, your lawyer will complete the process and you’ll be able to pick up the keys.

    More about settlement day

What you'll need to apply

Before you apply for a home loan, you’ll need the following information handy.

  • Proof of identity and address
  • Bank statements with your name from the past six months
  • Details of what the loan is for (e.g. first home, investment property).
  • Bank statement showing your deposit; or a written estimate from your KiwiSaver provider showing the amount you could withdraw towards your first home from your KiwiSaver account
  • Payslips from the past six months if you're employed; or financial statements prepared by an accountant if you're self-employed.
  • A list of your assets (e.g. property, cars or savings)
  • A list of your debts (e.g. loans, credit cards or hire purchases) and expenses.

Start your home buying journey

Whatever stage you're at, we have home loans specialists and tools to help you through the process.

Talk to a specialist

Our home loan specialists can walk you through the process of buying a home and discuss what your options are.

Find a specialist

Try our calculators

Looking to fine tune the structure of your home loan or work out how much you could borrow? Use our calculators to compare options for your home loan.

Calculate now