Home Loans
from 6.85% p.a.

24 month fixed term. T&C's apply.*

Home Loans
from 6.85% p.a.

24 month fixed term. T&C's apply.*

First home buyer special

Get onto the property ladder sooner with an unbeatable interest rate and some extra cash in your wallet.

6.45% p.a. fixed for 24 months + $3,000 cash contribution                      

Offer available for new lending to First Home Buyers from $250,000. Minimum 20% equity required. Offer also available for Kainga Ora First Home Loans. This offer is subject to change and could be withdrawn at any time and without notice. Cash contribution terms and conditions apply. 

    


Buy, renovate, or refinance

Whether you're in the market for your first home, 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, contact us, apply online or speak with our friendly team on 0800 229 943.

Interest rates

Term    

Interest rate   

Floating

8.64% p.a.

Fixed

6 months

7.35% p.a.

12 months

6.99% p.a.

18 months

7.15% p.a.

24 months

6.85% p.a.

24 months - special rate*

6.45% p.a.

*Offer available for new lending to First Home Buyers from $250,000. Minimum 20% equity required. Offer also available for Kainga Ora First Home Loans. This offer is subject to change and could be withdrawn at any time and without notice. 

Fixed interest rates from 6.45% 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. 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

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 as frequently as possible

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.

Repay the same amount when interest rates drop

If you’re refixing your home loan at a lower interest rate, but you keep your repayments the same, you’ll pay your loan off faster. More of each payment goes towards repaying the principal, which pays off the outstanding balance faster and reduces your overall interest costs.

Pay a little extra

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.

Member discounts

First home buyers stand in kitchen.

10% off property valuations

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

A young girl standing in a lounge plays with a cute small dog.

$50 off building inspections

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

A dad and his daughter eat in a kitchen.

Discounted legal fees

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

Take the next step today!

An open laptop showing a budgeting tool.

Preparing 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.

A couple stand proudly outside a home

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.

Parents sit on a sofa relaxing with their two children.

Switch your home loan 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. Enquire today

FAQ

Have any questions?

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

Helpful guides