Whether you’re buying a second property, moving on or up in the world, or even if you’re downsizing – buying property can be equally exciting and stressful. We’re here to help take a little bit of stress out of the process. We factor in the ups and downs of real life when looking at how we may be able to help. 

If you’re worried about your work history or other factors getting in the way, then talk to us. We can work together to try and find a way forward.  

We don’t just look at the black and white boxes on your home loan application. We make the effort to get to know you – the person behind the application. As part of our responsible lending assessment of your application, we’ll ask the questions that matter and look to uncover the meaning behind any poor credit history. This allows us to make an informed decision based on your objectives and requirements, and ability to repay a loan with us.

It’s our flexible approach that helps Kiwis achieve their dreams of buying their new home. 

Information and interest rates are correct as at 19 October 2023 and subject to change at any time. Offers and promotions may be continued, withdrawn, or changed at any time without notice.

* Offer applies to ‘New Build’ Prime, Near Prime and Specialist Full Doc home loan applications with LVR >80-85%. Available for Metro security locations only. A New Build is a property where the borrower has made a financial and legal commitment to buy in the form of a purchase contract with the builder, prior to the property being built or at an early stage in construction. This could be traditional ‘construction lending’ where the loan is disbursed in staged payments, or it could be a loan to finance the purchase of a property, which will be settled (in one payment) once the build is complete Or a newly-built entire dwelling completed less than six months before the mortgage application. The dwelling must be purchased from the original developer (the contract to buy at completion can be agreed while the building is still being constructed).

Information provided on this website is factual information only, and is not intended to imply any recommendation about any financial product(s) or constitute tax advice. If you require tax or financial advice, contact a tax adviser or get in touch with one of our licenced financial advisers..

All applications are subject to credit assessment, loan eligibility criteria and lending limits. Terms, conditions, fees and charges apply. The actual interest rate will depend on the borrower’s circumstances and the information verified during the loan application assessment.