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Preparing for a home loan appointment

You’ll need to provide us with details and proof of your finances. This information will help us to decide if you’re eligible for a new home loan or to refinance with us. It can also give us a better understanding of how much you can borrow or top-up your existing home loan.

To get a better understanding of the details you’ll need to provide, refer to the Statement of Position form (PDF 370KB).

Joint applications

We can start a joint application with one person. To complete the application, we’ll need to speak to all parties, including any trustees, guarantors, and directors where applicable. We can do this at different times, over the phone or in a branch.

What to bring to your appointment

Proof of your income

You can prove your income with:

  • two most recent payslips for each applicant, a copy of your employment contract(s), or a bank statement showing income; or
  • if you’re self-employed, your business’ last two annual financial statements.

Details of your expenses and debts

To help us understand your finances, you’ll need to provide full details of your expenses and outgoings.

  • Transactional statements (including credit card statements) from the three most recent, consecutive months, showing your regular living expenses which could include:
    • utilities: including electricity, gas, water, telephone, TV, mobile, internet
    • food and groceries: including groceries, restaurants, cafes, takeaways and meals, food delivery subscriptions, (e)cigarettes, and alcohol
    • childcare and education: including school fees, school uniforms, school books, transport to school, extra curricular activities, after school activities
    • motor vehicle and transport expenses: including vehicle registration, fuel, Warrant of Fitness, vehicle maintenance, roadside assist, parking, tolls, public transport, taxis, and ride share services
    • sports, activities and hobbies: including gym and club memberships, leisure activities, and hobbies
    • insurances: including general (house, car, contents), health, life, income, pet
    • rates: including land rates (Council Rates)
    • superannuation: including KiwiSaver and/or other superannuation deductions (including any additional regular voluntary contributions)
    • clothing: including clothing and footwear, hair, and beauty
    • other regular expenses: including regular doctors/dentist visits, pharmacy costs, optical/physio/remedial/chiro/alternative therapies, tithing/donations, holidays, professional development, and adult education.
  • Financial commitments: we’ll need the most recent three months’ loan statements for any existing debt you are refinancing to BNZ. These could include:
    • loans, personal loans and credit cards
    • buy now pay later facilities e.g. Afterpay, Laybuy.
  • Your household budget if you have one.

Proof of your identity

If you’re new to BNZ or don’t bank with BNZ, we’ll need to verify your identity with your New Zealand driver licence or passport. Learn more about our identification requirements.

Proof of your deposit

For new home loan applications, you can prove you have an available deposit with:

  • details of your KiwiSaver balance; or
  • details of other sources for your deposit, like savings, funds, or gifts.

Property details

If you already have a property in mind, you can also bring the property details.

Note: Please provide all digital documents in PDF format.