Home Loans from 6.99% p.a. 12 month fixed term.

*T&C's apply.

Home Loans from 6.99% p.a. 12 month fixed term.

*T&C's apply.

Limited-time offers!

$3,000 cash contribution - By applying with Unity, you may qualify for a $3,000 cash contribution when you take out a new home loan of $250,000 or more. View Terms and Conditions.

Pay no approval fee - If you apply for a Unity Home Loan and get approved before 31 March 2024, we'll waive the $350 approval fee! 

Buy, renovate or refinance

Whether you’re looking to buy your first home, renovate your existing home or refinance and save, we’re here to help. Our home loans help kiwis get a foot in the door. Interest rates? Deposits? KiwiSaver? We'll work with you through the hurdles. 

For more information about how we could help you achieve your property goals, contact us, apply online or speak with our friendly team on 0800 229 943.

Interest rates


8.64% p.a. 

Fixed 6 mth

7.35% p.a.

Fixed 12 mth

6.99% p.a.

Fixed 18 mth

7.15% p.a.

Fixed 24 mth

6.99% p.a.

Fixed interest rates from 6.99% to 7.35% p.a. Floating interest rate of 8.64% p.a. An additional margin of between 0 – 4% p.a. may apply depending on your personal circumstances. T&Cs apply. A $350 approval fee and other fees apply.  View our interest rates and fees.

Ready to apply?

If you're ready to complete your home loan application, then let's get started.

  1. Simply download our full pdf application form below.
  2. Complete with your details. 
  3. Email to homeloans@unitymoney.co.nz to apply. Easy.

Apply now

Member discounts

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10% off property valuations

All Unity members and home loan applicants are eligible for a 10% discount on residential property valuations with Property InDepth. Find out more here.

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$50 off building inspections

Unity has negotiated a $50 discount on the cost of pre-purchase property inspections from Betta Inspect It.Find out more here.

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Discounted legal fees

Unity members can benefit from a special rate of $1,350 inc GST for home purchase legal fees with Gifford Devine. Find out more here.

Take the next step today!


Try our free budgeting tool

If you're not quite ready to apply for a home loan, that's okay! Your journey to homeownership could be as simple as creating a budget so you can start saving for your deposit.

Download our easy-to-use budget planner here.


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. Download here.

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Switch your home loan to Unity

Make the switch to Unity and become part of a growing number of Kiwi's 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. Enquire now.                                


Have any questions?

You may find the answer on one of the pages below:

Helpful guides