How to apply for a home loan

Conditional approval will give you an idea of how much money you'll be able to borrow. Your home loan specialist will talk you through the process. You'll need to complete a home loan application form and supply the following:

• Proof of identity
• Bank statements with your name from the past three months
• Details of what the loan is for (e.g. first home, investment property)
• Bank statement showing your deposit; or a written estimate from your KiwiSaver provider showing the amount you could withdraw towards your first home from your KiwiSaver account
• Your last two payslips if you're employed; or financial statements prepared by an accountant if you're self-employed
• A list of your assets, e.g. property, cars or savings
• A list of your expenses and debts, e.g. loans, credit cards or hire purchases.

You'll be issued with a letter of conditional approval which outlines the conditions of your borrowing.

When you've found a property you're interested in, do your due diligence and make an offer. Share the property details with your home loan specialist, so they can confirm we're happy to lend on this specific property. We'll issue you with a confirmation letter.

If you're going to auction, you'll need to do your due diligence and get confirmation from us before bidding. Find out more about the different ways to buy a house.

Once your offer for a property has gone unconditional, it's time to finalise your home loan.

This means:

• We can start discussing the loan structure options suitable to your needs. Find out more about structuring your home loan.
• We'll prepare a home loan agreement for you and you'll need to meet with your lawyer to sign it and return it to us.

If you're a first home buyer, you might find our guide useful: steps to buying your first home.