Westpac’s current home loan lending criteria and terms and conditions apply. An establishment charge may apply. A Low Equity Margin may apply. An additional fee or higher interest rate may apply to loans if the application is accepted but does not meet the standard lending criteria. The free QV E-Valuer property reports are available with all home loan approvals. The QV report provided is an estimate of the current market value of a property based on local, recent, comparable sales, see www.QV.co.nz for more details. Reference to non-Westpac websites are provided for your convenience only. Westpac accepts no responsibility for the availability and content of such websites. These reports are not registered valuations which may be required by Westpac. Westpac does not accept liability for loss arising out the use of the QV report. The information on this page is presented subject to our legal page and any other terms and conditions that Westpac may impose from time to time. It is subject to change without notification.