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 443.8 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.
Apply for a home loan
Before applying, you may want to talk through your options with one of our home loan experts.
Standard terms and conditions
Kiwibank’s lending criteria, terms and conditions and fees apply.