Apply for a home loan

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.

Application response times

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.