If you’re ready to get started, so are we

How to apply for a home loan

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Talk to me

We’re happy to discuss your options with you and answer any questions you might have. 

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Conditional approval

You can apply for a conditional approval, which is sometimes referred to as a pre-approval, so you know what you can afford and can be ready to move quickly on the home you want.

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Move my loan to BNZ

Moving your home loan over to us is simple. We understand moving your loan involves a change to your financial arrangements, so we’ll do everything we can to make it stress-free. 

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Home loan on the go

Our mobile mortgage managers will come to you, whether you need help choosing your first home loan, want expert advice or are looking to switch to BNZ^.

Talk to us about home loans


Small Print

All home loans are subject to our lending criteria (including minimum equity requirements), terms and fees. Interest rates are subject to change. An establishment fee of up to $400 may apply for personal lending (the fee may be different for non-personal lending). Not for business purposes.

  1. Mobile mortgage managers cover the Auckland Region, Hamilton City and surrounds, Tauranga, Napier/Hastings, Christchurch City and surrounds and the Wellington Region.

Read our full home loans terms and conditions