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Buying your first home.
The idea of owning your own home is exciting! We're here to guide you through your journey, every step of the way.
Imagine $50,000 off your first home loan.
There are 5 chances to win as a first home buyer. Terms & conditions apply.
Why buy?
Buying your first home is one of life's major milestones - no more landlord, no more property manager, no more rent rises. You get to move in and stay put! It's a fantastic feeling and a major responsibility.
For help and guidance of buying your first home, we've broken things down step by step below. Or for a more detailed overview you can also download our First home buyers guide.
Paying for your home.
Your deposit
Your home loan
Saving for a deposit.
This is where your home buying dream begins. Consider these smart ways to get a deposit together, and make the most of the money you save.
What you need to apply.
Going house hunting.
Once you have your deposit and your conditional approval2 in place, it's time to go house-hunting! Here are some considerations when looking for your new home.
The final steps.
Congratulations! You are on the home stretch. There are a few final steps before you are officially a home owner.
Your home loan options.
Low deposit options.
Featured rates.
* Min 20% equity, plus salary credit to a Westpac transaction account. Not available with any other Westpac home loan offers, promotions or package discounts, or the Westpac Choices Home Loan with Airpoints™. Loans for business or investment purposes excluded.
If you don’t pay amounts when they’re due, your loan account may exceed its limit and the rate of interest that’ll be applied to the overlimit amount will be the interest rate + 5% p.a.
Calculators.
Get in touch.
Meet with an expert
Our Mobile Mortgage Managers can come to you, when it suits you best.
Apply online.
Our home loan online application form is temporarily unavailable. We apologise for any inconvenience. You can apply for a home loan through a Mobile Mortgage Manager, by calling us on 0800 177 277, or making an appointment at your nearest branch. Existing customers can also apply via Westpac One® online banking.
Things you should know.
1 The information above is subject to changes in government policy and law, and changes to the Westpac KiwiSaver Scheme, from time to time.
2 Conditional approval requires a credit check, confirmation of the details provided in your application and responsible lending inquiries. Other conditions may also apply depending on the nature of your application.
Westpac's eligibility criteria, home loan lending criteria, terms and conditions apply. An establishment fee may apply. A low equity margin may apply.