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Homepage Life & money

Home & property.

Whatever your home ownership goals are, start your journey here with our helpful guides and resources.

Buying your first home.

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First home buyers' guide

The idea of owning your own home is exciting. This PDF is here to guide you every step of the way.

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How to apply for a home loan

How much can you borrow? What is a conditional approval? All you need to know about applying for a home loan.

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KiwiSaver & low deposit home loans

Small deposit, big dreams? As a first home buyer, here are some ways to reach your home ownership goal.

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10 tips for growing your deposit

Handy savings tools, calculators, videos and more. All designed to help you grow your savings quickly.

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Home buying costs to consider

Buying a home is a big commitment that comes with new expenses. Make sure you factor in all potential costs.

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Finding a home that's right for you

All it takes is a little research, planning and focus. Here's a few tips to get you started.

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Buying your next home.

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Options with your current home

It pays to have a plan. Get started right here with all your options for selling your existing home.

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Ways to sell your home

Consider the advantages and disadvantages of different sales methods and which one could get you the best result.

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Financial considerations

Take a 360 degree view: your home’s value, type of home loan and moving costs.

Building & renovating.

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Build or renovate?

Considering whether to renovate or build is a big decision. Weighing up the pros and cons is a good place to start.

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Ways to finance your renovation

Consider which loan option will best suit your project and financial situation.

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Costs of the building process

Construction costs aren't the only expense you'll come across when building your home.

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Get covered

Build with confidence knowing you're covered during your build or renovation.

Investing in property.

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Getting started in investment property

Consider the benefits, advantages and risks of property investment.

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Do the maths on rental property

Before you become a landlord, look at borrowing to invest, returns and expenses.

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Help for landlords

Put your best foot forward and consider how you might manage your property.

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Loan and ownership options

You may consider structuring your home loan and investment property in different ways. Consider your options here.

I want to...

Understand what my mortgage repayments will be Understand how much I could borrow Pay off my home loan faster Reduce my home loan repayments Apply for a home loan Switch my home loan
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