See rates, terms, and eligibility across lender categories — no forms, no waiting.
Flexible terms, fast approval
Typical APR
5.99–35.99%
Simplify payments, lower rates
Typical APR
5.99–29.99%
Fund renovations, add value
Typical APR
6.99–24.99%
NZ citizen or permanent resident · Regular income · Minimum age 18
Credit assessment based on income and overall financial situation
Residential home loans typically need at least 20% equity · Residential investing lending typically needs at least 30% equity · First Home Loans can be available with at least 5% equity
NZ resident · Aged 18+ · Regular income
NZ resident · Aged 18+ · Regular income
At least 18 years old · Regular income · Enough money left after expenses for repayments
NZ or Australian citizen · No defaults on credit file · Full-time or permanent part-time employment
At least 18 years old · NZ citizen, permanent resident, or Australian citizen · No defaults on credit file
NZ citizen or permanent resident · Age 18+ · Regular income
NZ resident · Aged 18+ · Westpac account
NZ resident · Aged 18+ · ASB account holder
NZ citizen or permanent resident · Age 18+ · Regular income
