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.

Changes to the Reserve Bank LVR restrictions

You can find out what these changes might mean for you on our understanding loan-to-value ratio page.

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.

    More about saving a deposit or our first home saver package.

  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

Guide to home loan options

Fixed, floating, revolving and offset got you confused? We explain the differences and the benefits of the various home loan types we offer in handy videos so you can work out the best structure for you.

Tools and calculators to get you there

Apply for a home loan

Before applying, you may want to talk to our home loan experts. Even if you're just starting to save, they can talk through your options.

Talk to an expert

Our Mobile Mortgage Managers can come to you or our Banking Consultants are available in selected branches for appointments.

Find an expert

Ready to apply?

Our online application form takes around 25 minutes to complete. We'll ask about your earnings, expenditures, savings and how much you'd like to borrow.

Apply online

Already a Kiwibank customer?

Log in to Internet Banking and go to Apply & Open to get started.

Log in to Internet Banking