Whilst Kāinga Ora sets the eligibility criteria, it is the bank or lender that assesses First Home Loan applications, and makes the final lending decision.

Participating lenders credit criteria

In addition, you will need to meet the lending criteria of a participating bank or lender before a First Home Loan can be made. This can include your financial ability to repay the loan, your current level of debt, and your credit history.

Westpac logowww.westpac.co.nz(external link)
Call Free: 0800 177 277


www.kiwibank.co.nz(external link)
Call Free: 0800 272 278
Contact us(external link)



The Cooperative Bank logowww.co-operativebank.co.nz(external link)
Call free: 0800 134 034



SBS Bank logowww.sbsbank.co.nz(external link)
Call Free: 0800 727 2265




www.unitymoney.co.nz(external link)
Call Free: 0800 229 943
Email: enquiries@unitymoney.co.nz


Nelson Building Society logowww.nbs.co.nz(external link)
Call Free: 0800 101 700
Email: nelson@nbs.co.nz


NZHL logowww.nzhl.co.nz(external link)
Call Free: 0800 332 837

Page updated: 15 July 2022