Participating lenders credit criteria

Whilst Kāinga Ora sets the eligibility criteria, it is the lender that assesses First Home Loan applications, and makes their lending decision.

In addition to meeting the governments eligibility for a First Home loan, you will also need to meet the lending criteria of your preferred lender before your loan can be made.

All banks and credit unions have slightly different lending criteria but they will include your financial ability to repay the loan, your financial circumstances, your credit history and the way you’ve conducted your bank accounts in the past.

Lenders

Westpac logowww.westpac.co.nz
Call Free: 0800 177 277

 


TSB logowww.tsbbank.co.nz
Call Free: 0800 231 232

 


Kiwibank logowww.kiwibank.co.nz
Call Free: 0800 272 278
Contact us

 


NZCU employees logowww.fpfcu.co.nz
Call: 09 579 0448

 


The Cooperative Bank logowww.co-operativebank.co.nz
Call free: 0800 134 034

 


SBS Bank logowww.sbsbank.co.nz
Call Free: 0800 727 2265

 


NZCU baywide logowww.nzcubaywide.co.nz
Call Free: 0800 BAYWIDE
Email: enquiries@nzcubaywide.co.nz

 


Nelson Building Society logowww.nbs.co.nz
Call Free: 0800 101 700
Email: nelson@nbs.co.nz

 


NZHL logowww.nzhl.co.nz
Call Free: 0800 332 837

Page updated: 17 October 2019