This is a quick pre-check to see if you may be eligible for a home loan and is subject to full assessment.

Deposit

Include all available funds such as KiwiSaver, savings, or gifted funds.
How much deposit do you currently have available? (Minimum 5% required – conditions apply)
What makes up your deposit? *
Select all that apply

Applicant(s)

Who will be included in this application? *

Applicant 1

Are you a First Home Buyer? *

Applicant 2

Are you a First Home Buyer? *

Applicant 3

Are you a First Home Buyer? *

Current Debts & Liabilities

Please list all debts and financial commitments, including home loans, personal loans, car loans, student loans, IRD debt, credit cards, Q Card, GEM Visa, Buy Now Pay Later accounts, hire purchases, overdrafts, and any other regular repayments. Include the lender name, limit/balance, and repayment amount. Even if a credit card has a $0 balance, please include the credit limit.

Previous Home Loan

Let us know if you have applied for a home loan before and provide key details below.

Have you submitted a home loan application with any bank or lender within the last 3 years? *
Bank/Lender Name, Approximate Application Date, Outcome (Approved, Declined, Withdrawn, Conditional Approval), Reason for Decline (if applicable)

Credit History

Have you had any late or missed payments on current loans, credit cards, Buy Now Pay Later accounts, or household bills in the last 12 months? *
Do you have any bad credit, defaults, collections, court judgments, or bankruptcy within the last 5 years? *
Have you ever had a home loan, personal loan, or credit application declined by a bank or lender? *

Buying History

When do you want to buy? *

Residency Status

Residency status (Select your current visa or residency status) *

Contact Details

Preferred Contact

Preferred contact method *

Declaration

Urgent Review
This is a quick pre-check to see if you may be eligible for a home loan and is subject to full assessment. It is not financial advice or a loan approval.

Next Step

Once submitted, NZ Loan Hub will review your details and contact you within 24–48 hours to discuss your options and next steps. Please keep your phone available.