Get pre-approved
A pre-approval gives you a clear idea of how much you could borrow, so you can house-hunt with confidence.
Learn how it works and how to apply.
Find out more
Let's get started
Applying for a home loan with Unity is easy.
Simply download our full application form below, fill it out with your details, and email it to homeloans@unitymoney.co.nz.
Apply now
Need a top-up?
If you're an existing member, it's now easier than ever to apply online.
Just answer a few quick questions to get started — no lengthy forms, no hassle.
Apply online
Shortcuts to home loan freedom
In the quest for mortgage freedom, every smart move counts. Consider these tips to become mortgage-free faster.
Make repayments more often
Consider repaying your mortgage as frequently as possible (such as weekly rather than monthly). This will assist you in paying off your loan faster and save on interest costs long term.
Keep repayments the same when interest rates drop
If you’re refixing at a lower interest rate, consider keeping your repayments the same. You’ll pay off more of the principal each time, saving on interest and shortening your loan term.
Pay a little extra when you can
A little can go a long way when it comes to repaying your mortgage. If your mortgage is on a floating interest rate, try to pay a little extra when you can. If your mortgage is fixed, most lenders will allow you to make a lump sum payment on the loan once a year (although some may charge early repayment fees, so check with your lender first).
Making extra repayments will reduce the total amount of interest you’ll pay over the lifetime of your loan - helping you pay it off quicker.
Use windfalls wisely
If you receive a bonus, tax refund, or other lump sum, consider putting part of it towards your mortgage. Planning for these moments can give you a head start on reducing your loan term and interest, even just once a year
Buying your first home?
We've got you covered! No matter what stage you're at in your home-buying journey, we can help you navigate the process.
From preparing to buy to making an offer, find the path to your property goals with our step-by-step First Home Buyers Guide.
Make the switch to Unity.
Make the switch to Unity and become part of a growing number of Kiwis who value competitive interest rates and personalised support.
If you're worried about the possibility of higher interest rates at your current bank, we might just be the solution to help you save.
Helpful guides
In today's tough economy, if you're feeling vulnerable, you're not alone. By being prepared, you can help to protect yourself from financially challenging times.
Check out our tips for staying on top of your finances when things are tight.
Buying a home is a major life decision, and getting your finances sorted before applying for a home loan is crucial.
We've put together some simple tips to help you get started.
We understand that sometimes your situation can change, but it's important to keep up with your loan repayments.
Discover what happens when payments are missed and steps to prevent it.
FAQ
Do you have questions about home loans in NZ?
You may find the answer on one of the pages below:
