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Your first home sooner.
Our local Home Loan Experts are here to help guide you through the home buying journey, so you can get into your first home sooner.
Get cash back on your first home loan.
Apply for a new Westpac home loan of $250,000 or more for your first home and you could get $5,000 or more cash back, to help make your home greater.
How it works
- All applicants must be first home buyers as determined by Westpac.
- Available on new Westpac residential home loans of $250,000 or more.
- This limited offer may be withdrawn at any time without notice.
Talk to our experts to see whether a Westpac home loan is right for you.
Low deposit options to help you get into your first home sooner.
You don’t always need a 20% deposit to buy your first home. Explore our range of low deposit options to get closer to a home you can call your own.
Calculators.
All calculators
How much will my repayments be?
Crunch the numbers to see what your repayments would be on a new loan.
Checklists & guides.
First home buyers guide
Buying your first home is a big milestone and we’re here to make the journey simpler. This guide offers practical tips and tools to get into your first home sooner.
Using KiwiSaver for your first home
See if you qualify to use KiwiSaver for your first home.
10 tips for growing your deposit
Saving for a deposit can take a while, but there are a number of things you can do to grow your deposit faster.
What do I want in a home?
Keep your house hunt focused and find your new home sooner.
Home comparison checklist
Evaluate the pros and cons of the homes you're interested in.
Speak to a Home Loan Expert.
Have a free, no obligation chat with one of your local Home Loan Experts to learn more about our range of low deposit options, designed to help you into your first home sooner.
Meet face-to-face
Our Home Loan Experts can come to you at a time and place that suits you.
Apply online
Existing customers can apply for a home loan in Westpac One® digital banking.
First Home Buyer Seminars.
Come along to a free seminar run by our Home Loan Experts to help you into your first home sooner. We'll cover:
- Your local market update,
- Tips for getting your deposit together, and
- What we're looking for in your home loan application.
The process.
Apply
Conditional approval
Start house hunting!
Featured rates.
¹ Minimum 20% equity, plus salary credit to a Westpac transaction account. Not available with any other Westpac home loan offers, or promotions or package discounts. Loans for business or Investment purposes excluded.
Lending criteria, terms and conditions, apply to home loans.
For home loans with less than 20% equity, a low equity margin may apply, see low equity margins explained for more details on how this is applied.
Interest rates are subject to change without notice.
If you don’t pay amounts when they’re due, your home loan account may exceed its limit and the interest rate applied to the over limit amount will be your annual interest rate plus an additional 5% p.a.
Real stories.
Things you should know.
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. A low equity margin may apply.