Getting a home loan

Whether you're looking to buy your first home, switch to a bigger one, or looking to buy an investment property, let us help you through the process. This is helping you up the property ladder.
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Introducing debt-to-income ratios

From 1 July 2024, banks will need to comply with new debt-to-income (DTI) restrictions, set by the Reserve Bank of New Zealand. These restrictions apply to new home loans.

Find out more about DTI ratios and what this may mean for you.

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Podcast: Teaming up to get on the property ladder

Listen to journalist Bernard Hickey talk to Kiwibank's Philippa Scott and Pip Maxwell on how Co-own could be an option to get you into your first home sooner than you think. This is part of the 'When the Facts Change' podcast series.

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.

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