Need help navigating your way into your first home? Our specialists, 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.
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.
If you’re just about ready to get your foot on the property ladder, get a home loan that helps you settle in with a $3,000 cash contribution.
Minimum new lending $300k. Minimum 20% equity. Offer available 26 Oct - 14 Nov 2021. Conditional on your banking relationship with us not significantly changing over the next four years. See T&Cs for details.
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.
Standard terms and conditions
Displayed interest rates are 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.