Getting Pre-approved

Standard home loan pre-approval

• Valid ID - Preferably Passport and or Driver’s License (Front & back)
• Address Verification - (Bank statements showing address or utility bill held in applicants name)
• 3 months most recent and consecutive bank statements for your current & savings accounts
• Evidence of Deposit (i.e. Bank statements, Share Statements, Confirmation of KiwiSaver, Homestart Grant withdrawal, Gifting letter)
• Evidence of income (i.e. Most recent 3 Pay slips/Copy of employment Contract, or for self-employed end of year financial statements)

First Home Loan pre-approval

This First Home loan product is only offered by a select number of banks and has a stricter criteria than a standard home loan. As such, a few more documents are required for the application:

• Signed First Home Loan Authorisation Form (Will be provided as required)
• Valid ID – Passports preferred option
• Evidence of NZ Citizenship or residency – either passport or NZ Birth Certificate
• Address verification (Bank statements showing address or utility bill held in applicants name)
• 3 months bank statements
• 3 months credit card statements
• 3 most recent and consecutive pay slips
• Letter from Employer confirming employment or employment contract
• If you are self-employed – Last 2 years completed financials supported by IRD Tax Summary
• Evidence of Deposit (i.e. Bank statement/Confirmation of KiwiSaver and Homestart Grant withdrawal/Gifting letter)
• Sale and Purchase Agreement (Can be provided later)
• Registered Valuation on property - will be required and ordered on your behalf at your cost via a 3rd party valuation system such as CoreLogic or Valocity. The valuation should not note that any siginficant maintenance or repair work is needed.