About our conditional approvals
Free and no obligation
Applying for a conditional home loan approval is free and comes with no obligation.
If you request a call back, we'll contact you within two business days.
Valid for 60 or 90 days
Our Conditional Approval Certificates are valid for 60 days from the date of issue if your loan to value ratio (LVR) is over 80% and 90 days if your LVR is less than 80%.
You can get conditional approvals up to a certain amount or for a specific property.
Less than 20% deposit?
You don’t always need to have a 20% deposit to get a home loan with us. However, loans with less then 20% equity are subject to the current Reserve Bank of New Zealand LVR restrictions and a low equity interest rate premium will apply.
Residential property investors
We’ll no longer approve loans for residential investment properties in Auckland if you have less than 30% deposit unless the loan falls within an exemption to the restrictions. You should contact our Property Investment team to talk through your options.