What is conditional approval
Conditional approval is an offer of how much we could lend you. This means you can focus on looking at properties within your price range and when you find a property you like you’ll be able to move quickly and make an offer.
When to apply for conditional approval
If you’re looking to buy a property, talk to us about conditional approval once you’ve got your deposit together and you’re ready to start going to open homes.
How to get conditionally approved
To get the ball rolling, please talk to our home loan specialists. We’ll need to know what you earn, what you own and what you owe. Conditional approval lasts for 90 days and can be extended for another 90 days as long as nothing changes.
Getting full approval
To get full approval, we may need some additional information from you, such as a property valuation. Your home loan specialist will talk through exactly what we need from you.
Having a conditional approval speeds up the process for getting full approval because you'll already have an idea how much you may be able to borrow subject to the conditions, so you're part way there.
Let's get you into your first home
Our home loan specialists and tools can help you through the journey of buying your first home.
Talk to a specialist
Our home loan specialists can walk you through the process of buying a home and discuss what your options are.
Find a specialistTry our calculators
Looking to fine tune the structure of your home loan or work out how much you could borrow? Use our calculators to compare options for your home loan.
Calculate nowHome loan standard terms and conditions
Displayed interest rates are subject to change. Kiwibank’s lending criteria, terms and conditions, and fees apply.