The home loan journey

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You're on a mission to buy your first home, and like most New Zealanders, you need a home loan to help you get there.

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Saving your deposit is usually the first step in the journey, or you might like to see whether your family could help you out - take a look at your deposit options with Westpac to explore how they could do so with things like Family Springboard.

You'll also want to review your budget, and calculate what you could afford. Westpac have home loan calculators to help you out. In the meantime, check out a simple guide to the home loan process below.

Buying Your 1St Home Diagram



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Westpac’s current home loan lending criteria and terms and conditions apply. An establishment charge and a Low Equity Margin may apply. An additional fee or higher interest rate may apply to loans if the application is accepted but does not meet the standard lending criteria.

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