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(external link)
Call Free: 0800 177 277

 


TSB logowww.tsbbank.co.nz(external link)
Call Free: 0800 231 232

 


Kiwibank logowww.kiwibank.co.nz(external link)
Call Free: 0800 272 278
Contact us(external link)

 

 


NZCU employees logowww.nzcuemployees.co.nz(external link)
Call: 09 579 0448

 

 


The Cooperative Bank logowww.co-operativebank.co.nz(external link)
Call free: 0800 134 034

 

 


SBS Bank logowww.sbsbank.co.nz(external link)
Call Free: 0800 727 2265

 

 

 


NZCU baywide logowww.nzcubaywide.co.nz(external link)
Call Free: 0800 BAYWIDE
Email: enquiries@nzcubaywide.co.nz

 


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

 


NZHL logowww.nzhl.co.nz(external link)
Call Free: 0800 332 837

 

 


www.firstcu.co.nz(external link)
Email: first credit union(external link)

Page updated: 14 September 2020