Helping more
Kiwis into homes.

Let’s get your home loan sorted today.

Helping more
Kiwis into homes.

Let’s get your home loan sorted today.

Buy, renovate, or refinance

Whether you're in the market for your first home in New Zealand, planning renovations for your current space, or considering a refinancing opportunity, we're here to support you at every turn. 

For more information about how we could help you achieve your property goals with a Unity home loan, apply online, visit your local Unity branch or give our friendly team a call on 0800 229 943.

Featured rates

Special rate^

4.99% p.a.

12 months fixed

First Home Buyer Special*

4.29% p.a.

12 months fixed

Special rate^

4.99% p.a.

24 months fixed

See all home loan rates.

*First Home Buyer special available for new lending to First Home Buyers from $250,000. Minimum 20% equity required. Offer also available for First Home Loans, supported by Kāinga Ora - Homes & Communities. This offer is subject to change and could be withdrawn at any time and without notice.

^Special interest rates apply to home loans with a loan-to-value ratio (LVR) of 80% or under. Salary must be direct credited into a Unity transaction account otherwise standard rates apply. Special rates also apply to First Home Loans, supported by Kāinga Ora - Homes & Communities.

$3,000 cash. Minimum.

Ready to invest in your future home? Apply for a new Unity home loan of $250,000 or more and you could receive $3,000 in cash (minimum) to spend on whatever you choose. Cash Contribution terms and conditions apply.

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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

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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

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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

An open laptop on a table in a lounge.

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.

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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

Two women discussing their finances

How to prepare your home loan for a recession

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.

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Preparing your finances for home ownership

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. 

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What happens if I can't make my repayments?

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: