Need help navigating your way into your first home? Our experts, tools, and guides can help you through the maze of saving a deposit, getting conditional approval, making an offer and choosing the right loan structure.
Steps on your home loan journey
Saving a deposit
Generally, you need a 20% deposit to qualify for a home loan, but don't be put off by the thought of pulling together all that money. The best thing you can do is get started. There are also options that mean you may only need 10%, but the more deposit you have, the better.
KiwiSaver and your first home
If you’ve been in KiwiSaver for at least three years and you meet the eligibility requirements, you may be able to make a first home withdrawal to go towards buying your first home.
Conditional approval
When you’re looking to buy a house, conditional approval, sometimes called pre-approval, will give you an idea of how much money you’ll be able to borrow.
The property hunt
The process and your home loan options will vary depending on if you’re a first-time buyer, building a home, buying your next home or buying an investment property.
Getting the right home loan
Set your mortgage up in a way that works with your finances and your lifestyle. Fixed, floating, offset, revolving – or a mixture – we’ve got home loan options to suit.
Moving into your home
Now you’ve found your new home it’s time to dot the i’s and cross the t’s on your paperwork so you’re ready for settlement and moving in.
Get a $3,000 cash back with a new Kiwibank Home Loan
Back Kiwi with a Kiwibank Home Loan and we'll back you with $3,000 cash plus a great rate of fixed for two years. Minimum 20% equity. Minimum new lending $250,000. T&Cs apply.
Tools and calculators to get you there
Talk to an expert - we're here to help
It’s never too early to talk to one of our home loan experts. Even if you’ve just started saving, it’s worth getting in touch to talk about your options.
Standard terms and conditions
Displayed interest rates subject to change. Kiwibank’s lending criteria, terms and conditions and fees apply.
The calculators should be treated as a guide only. They don't take into account all of your individual circumstances and aren't financial advice.
Cash back campaign terms and conditions
Interest rates are subject to change. Minimum 20% equity. If your home loan doesn't remain with Kiwibank for a minimum of three years, a cash clawback may apply. Offer available for new Kiwibank Home Loan lending applied for between 11 - 24 Nov 2019. Lending criteria, terms and conditions and fees apply.