1.Get a deposit together
You’ll need to have at least a 5% deposit, minimal debt, and a maximum household income of $150,000.
Apply for a home loan under a shared ownership programme
If you’ve been approved for a shared ownership programme, you can apply for a BNZ home loan.
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Steps to apply for a home loan
1. Get shared ownership approval
Get written confirmation from a shared ownership provider such as Kāinga Ora - Homes and Communities, or Housing Foundation, that you’ve been approved for their programme.
2. Complete our application form
Complete our application form and we’ll contact you to talk through your options. You’ll need to provide the approval document from the shared ownership provider, before we can proceed with your application.