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. If you’re already a Kiwibank customer, just login to internet banking and go to Apply & Open. If you’re new to Kiwibank complete our online application form below.

Apply now

Not quite ready to apply?

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

Find a lending expert near you

Already a Kiwibank Home Loan customer?

Apply through internet banking or call us on 0800 000 654 between 8am – 6pm, Monday to Friday.

Login to internet banking

Displayed interest rates subject to change. Kiwibank’s lending criteria, terms and conditions and fees apply.