This information is provided for general information purposes only and is not a recommended opinion. It does not take into consideration you or your family’s personal financial situation. Westpac recommends you and your family each obtain independent legal advice in respect of these options. Westpac’s current NZ home loan lending criteria apply and terms and conditions apply. An establishment charge 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.