Understanding the recent CCCFA changes
Consumer lending laws have recently changed, find out how this may impact you and your application.
The home loan application process
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1Tahi
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.
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2Rua
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.
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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.
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4Whā
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.
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5Rima
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.
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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.
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 specialistUse our calculators
Our first home buyer and repayment calculators can help you work out how to manage your home loan, pay your home loan off more quickly or get you into your new home.
Calculate nowStandard terms and conditions
Displayed interest rates are subject to change. Kiwibank’s lending criteria, terms and conditions, and fees apply.