1. Save for a deposit
Discover the ways you can get a deposit together, start thinking about how much you could borrow, and work out what your home loan (also called mortgage) repayments might be.
Guide to buying a house
We’ve broken down the home-buying process to six simple steps - from saving for a deposit and applying for a home loan, through to making an offer and moving in.
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Step-by-step guide to buying a house
Guide to saving a deposit
2. Apply for a home loan
Find out how to get conditional approval for a mortgage, and see what documents you might need, so you’re ready to start looking for a home.
3. Find a home
Get some tips on what to consider when you’re looking for a home, like the type of property you want, the neighbourhood, and what to look for at open homes.
4. Make an offer
You’ve found the house you want, now learn about the three main ways to buy a house in New Zealand - buying at auction, buying by negotiation, or buying by tender.
5. Finalise the details
Before you can buy the house, you need to meet any conditions of the sale, and go through the final documents with the bank and your lawyer.
6. Move in
The day is finally here, you’re about to own your new home. Find out what happens on the day you settle, and use our checklist to help make moving as stress-free as possible.
Home loan calculators
Work out how much you could borrow
Work out how much you could borrow based on the size of your deposit, your current income and expenses.
Work out your home loan repayments
Find out what your mortgage repayments might be, to help you budget for and choose a home.
Talk to an expert
Home loans help and support
If you need some help call 0800 275 269.
Lending criteria, term and fees apply.
This material is solely for information purposes and is not intended to be financial advice or legal advice. If you need help, please contact BNZ or your financial or legal adviser. Neither BNZ nor any person involved in this material accepts any liability for any loss or damage whatsoever which may directly or indirectly result from any information, representation or omission, whether negligent or otherwise, contained in this material.
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