Conditional home loan approvals

Getting a conditional home loan approval (sometimes referred to as a pre-approval), means you not only know what you can afford but you can be ready to move quickly on the home you want. 

About our conditional approvals

Free and no obligation

Applying for a conditional home loan approval is free and comes with no obligation.

Quick turnaround

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%.

Flexible options

You can get conditional approvals up to a certain amount or for a specific property.

Home loan calculators

How much can I borrow?

Work out how much you could borrow based on your current income and expenses.


What will my repayments be?

Finding out what your mortgage repayments will be, can help when budgeting for and choosing a home.


How fast can I pay off my home loan?

Work out how many years it will take to pay off your home loan, based on your weekly, fortnightly or monthly mortgage repayments.


What could I save with a TotalMoney home loan?

Find out how offsetting the balance of your transaction and savings accounts could save you interest and reduce the length of a TotalMoney home loan.


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 than 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 if you have less than 40% deposit unless the loan falls within an exemption to the restrictions. You should contact our Property Investment team to talk through your options.

 Find out more about LVR rules

Apply for a conditional approval

Property investor?

Contact the Residential Property Investment team


Contact the small business team

Need an urgent decision?

Call the lending team on 0800 080 222 (Mon-Fri, 8am-7pm; Sat, 9:30am-5pm).

Talk to an expert

Talk to an expert


Home loans help and support

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.

Read our full home loans terms and conditions