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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.
This means you’ll be able to move quickly and make an offer when you find a house you want and you can focus on looking at houses within your price range.
When to apply for conditional approval
If you’re looking to buy a house, talk to us about conditional approval once you’ve got your deposit together and you’re ready to start going to open homes.
How to get conditionally approved
To get the ball rolling, please talk to our home loan specialists. We’ll need to know what you earn, what you own and what you owe. Conditional approval lasts for 90 days and can be extended for another 90 days as long as nothing changes.
Having a conditional approval speeds up the process for getting full approval because you’ll have already filled out a home loan application form. To get full approval, we may need some additional information from you, such as a property valuation. Your home loan specialist will talk through exactly what we need to complete the process.
Let's get you into your first home
Our home loan specialists and tools can help you through the journey of buying your first home.
Standard terms and conditions
Displayed interest rates are subject to change. Kiwibank’s lending criteria, terms and conditions, and fees apply.