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.
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.
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.
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 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.
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.
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.