1. Home


  2. Home Loans


  3. Learn


  4. Buying your first home

Getting Pre-approved

Pre-approval Document Checklist

Find out below what personal information and documents you need to provide when applying for a home loan.

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.

Related Questions


Making the home loan journey easy for you anytime, anywhere.

© Copyright 2022 Tella (New Zealand) Limited. All Rights Reserved. Powered by Tella.