Whether you're ready right now or it's a little while away, we're here to help you on your home buying journey. We've got tools, guides and the right people to support you along the way.
Five steps to buying your first home
With our simple guide you'll be on the road to buying your first home in no time. Each step will take you through what you need to know from planning, to getting conditional approval, to finding a home and moving in.Five steps to buying your first home
On your first home buying journey?
If you've got your deposit together, and you're ready to start looking for homes or about to make an offer we may be able to help demystify some of the things you should be looking out for, or need to understand.
Found a potential home
Once you've found a property, you'll need to do your homework to make sure all the checks and reports show the property is in good condition or you know what needs working on.Find out how to make it yours
Making an offer
Before making your offer, you'll need to confirm your finances, know the different ways you can purchase the property, and understand what a Sale and Purchase Agreement is.Read more about making an offer
Structuring your home loan
Fixed, variable, offset - got you a bit confused? Our simple guide will help you demystify what each of these are and what structure may be most suitable for you.Structuring your home loan
Ways to get your deposit together
Your deposit can be made up from a combination of savings, KiwiSaver and help from family. The more deposit you put down the less you have to borrow and less interest you'll pay.
The key to building savings is adding to them regularly. Once your savings get to a certain amount it could be worth looking at a Term Deposit or a Notice Saver as they typically earn higher interest than a regular savings account.
If you've been in KiwiSaver for at least three years and you meet the eligibility requirements you may be able to put some of your KiwiSaver savings towards purchasing your first home or be eligible for a KiwiSaver HomeStart grant.
Low deposit options
We know saving for a deposit may take some time, especially if you have to save 20% of the house price your looking to purchase. In some circumstances a smaller deposit could still get you into your first home sooner.
Home loan jargon buster
Not sure what equity, LVR, RV or table loans are? Check out what these mean as well as some other common terms you may come across during your home buying journey.
Talk to a home loan expert - we're here to help
At any stage of your home buying journey, our home loan experts are available to give you obligation-free advice and guide you through the process right to the end.
Our Mobile Mortgage Managers can come to a location of your choice and our Banking Consultants are available at your local Kiwibank branch. Our home loan team is also available by calling 0800 000 654 between 8am and 6pm, Monday to Friday.
*The calculators should be treated as a guide only. They don't take into account all of your individual circumstances and are not financial advice.
Kiwibank’s lending criteria, terms and conditions, and fees apply. Interest rates and rates of return subject to change.
Kiwibank Notice Saver is a fund within a Portfolio Investment Entity (PIE). Units in Kiwibank Notice Saver are issued by Kiwibank Investment Management Limited and are distributed by Kiwibank Limited. Download the Terms and Conditions for Kiwibank Notice Saver (PDF 52.0 KB) or pick up a copy from your local Kiwibank.