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, you’ll need to complete our home loan application form (PDF 406.4 KB). For this, 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.

You can complete an application form online, or get in touch with one of our home loan experts, who can help you through the process.

When you’re ready to make an offer

Having conditional approval speeds up the process for getting full approval, because you’ll have already filled out the home loan application form. To get full approval we may need some additional information from you, such as a property valuation. Your home loan expert will talk through exactly what we need to complete the process.

We can help get you in the door

Our home loan experts can help you on your home buying journey. Or, if you're ready to go, fill out our online application form (PDF 406.4 KB) to apply for conditional approval.

Talk to an expert

One of our Mobile Mortgage Managers can come to you, or our Banking Consultants are available in selected branches.

Find an expert

New to Kiwibank?

Complete our online application form.

Apply now

Already a Kiwibank customer?

Log in to internet banking and go to Apply & Open to get started.

Log in to Internet Banking