Homepage Products & services Home loans

Your first home sooner.

Our local Home Loan Experts are here to support you at every stage of your home ownership journey. From exploring your options to applying for a home loan, they’ll provide personalised advice and guidance to help you get into your first home sooner.

Chat with an expert

Kick back in your first home sooner.

$5,000 cash back: Apply for a new Westpac home loan of $250,000 or more for your first home and you could get $5,000 or more cash back.²
5% deposit: With a First Home Loan through Westpac and Kāinga Ora - Homes and Communities, you only need a 5% deposit.
Expert advice: Connect with our Home Loan Experts today for free personalised home lending advice and support. They can come to you, chat over the phone or meet at your local Westpac branch.

Getting started made easier.

Apply

Get in touch with our Home Loan Experts. It could just be a chat or if you’re ready to get started, they’ll guide you through the application process from start to finish. If you’re an existing customer, you can also apply in Westpac One digital banking.

Get conditional approval

If your application is straightforward, we can often give a conditional approval³ on the spot (subject to eligibility and responsible lending inquiries). If we need more information, we’ll be in touch.

Start looking for a home!

A conditional approval gives you an idea of how much you can borrow, based on conditions and responsible lending inquiries. With this you can start looking for a house that you could call home.

Chat to a Home Loan Expert.

Request a call back

Fill in your details and a Home Loan Expert will reach out to you by phone.

Schedule a call

Meet face-to-face

Our Home Loan Experts can visit your home, office or your local café when it suits you.

Find your local Home Loan Expert

Meet us in-branch

Make an appointment to meet our Home Loan Experts at your local Westpac branch.

Find your nearest branch

Already bank with us? Apply online.

The fastest way for existing customers to apply for a home loan is in Westpac One digital banking. Before you get started, check out the documents you’ll need to have handy then log in to apply.

Apply now

Calculators.

All calculators

How much will my repayments be?

Crunch the numbers to see what your repayments would be on a new loan.

Try the repayment calculator

How much can I afford?

Find out how much you could borrow.

Try the affordability calculator

Featured rates.

All interest rates

¹ Minimum 20% equity, plus salary credit to a Westpac transaction account. Not available with any other Westpac home loan offers, or promotions or package discounts. Loans for business or Investment purposes excluded.

Lending criteria, terms and conditions, apply to home loans.

For home loans with less than 20% equity, a low equity margin may apply, see low equity margins explained for more details on how this is applied.

Interest rates are subject to change without notice.

If you don’t pay amounts when they’re due, your home loan account may exceed its limit and the interest rate applied to the over limit amount will be your annual interest rate plus an additional 5% p.a.

First Home Buyer Seminars.

Join one of our free seminars and get practical advice from our Home Loan Experts to help you buy your first home. We'll cover:

What's happening in your local housing market
Tips for saving a deposit
What you need for a home loan application
What to expect during the home buying process.

Whether you're just getting started or ready to apply, you'll have the chance to ask questions and learn more about your options.

Real stories.

Home loan tips & guides.

First home buyers guide

This guide offers practical tips and tools to get into your first home sooner.

Read our guide (PDF)

Using KiwiSaver for your first home

See if you qualify to use KiwiSaver for your first home.

Learn more

10 tips for growing your deposit

Saving for a deposit can take a while, but there are a number of things you can do to grow your deposit faster.

Learn more

What do I want in a home?

Keep your house hunt focused and find your new home sooner.

Write a list (PDF)

Home comparison checklist

Evaluate the pros and cons of the homes you're interested in.

Compare options (PDF)

Buyer's questions

What to ask the real estate agent about the home you're keen on.

Learn more (PDF)

Things you should know.

The information above is subject to changes in government policy and law, and changes to the Westpac KiwiSaver Scheme, from time to time. 

²All applicants must be first home buyers as determined by Westpac. Available on new Westpac residential home loans of $250,000 or more. This limited offer may be withdrawn at any time without notice. Talk to our experts to see whether a Westpac home loan is right for you.

³Conditional approval requires a credit check, confirmation of the details provided in your application and responsible lending inquiries. Other conditions may also apply depending on the nature of your application.

Westpac's eligibility criteria, home loan lending criteria, terms and conditions apply. A low equity margin may apply.