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

  1. 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.

    More about saving a deposit.

  2. 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.

    More about using KiwiSaver to buy your first home.

  3. 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.

    More about conditional approval.

  4. 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.

    More about property hunting.

  5. 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.

    More about the different types of home loans.

  6. 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.

    More about 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 one year. 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.