You’ve done the hard yards and pulled together a house deposit, now it’s time to find the right home and get it for the right price.

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 hoping to buy an investment property.

Handy terms to know while you look for a home

  1. Asking price

    The advertised price for a property - the price you actually pay can be different.

  2. Market value

    An estimate of the property value right now – that is, what a buyer would be prepared to pay and what a seller would accept for the property at a point in time.

  3. Rateable value (RV)

    The value placed on a property by the local council for rating purposes (also known as the Government Valuation or GV).

Next steps to buying a home

Apply for a home loan

Before applying, you may want to talk through your options with one of our home loan experts.

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.

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