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.

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Fill in your details, and we'll get back to you. 

Schedule a call

Meet face-to-face

Our Home Loan Experts can come to you at a time and place that suits you. 

Find your local Home Loan Expert

Apply online

Existing customers can apply for a home loan via Westpac One® online banking.

Find your nearest branch

First Home Buyer Seminars

Come along to a seminar run by our Home Loan Experts covering:

  • your local housing market,
  • tips on pulling your deposit together,
  • and what we're looking for in your home loan application. 

Contact your local Home Loan Expert  to find events in your area. 


See all calculators

How much can I afford?

Get an idea of how much you could borrow using our affordability calculator.

Try the affordability calculator

How much will my repayments be?

Work out how much your home loan repayments might be.

Try the repayment calculator

Things you should know.

1 First Home Loan can only be used for the purchase of owner occupied properties. Income caps apply. A one-off Lenders Mortgage Insurance Premium applies. Current First Home Loan eligibility criteria, lending criteria, terms and conditions apply.

2 If lending for the project is over 80% LVR (loan-to-value ratio) for owner occupiers or 60% LVR for investment properties, it must be a new build with a single fixed price contract that specifies a completed, ready to live in property. Applications must include Master Builders Guarantee or a Certified Builders Guarantee, which includes 'non-completion' cover.

3 The information above is subject to changes in government policy and law, and changes to the Westpac KiwiSaver Scheme, from time to time. 

Westpac's eligibility criteria, home loan lending criteria, terms and conditions apply. A low equity margin may apply.