From 1 December 2021, our lending process will look a little different as we comply with new lending laws. This means the way we assess loans has changed, and we’ll take a few extra steps to make sure a loan is both suitable and affordable for you. You can download information on these changes here.
Home loans from 10% deposit.
In the market for your first home loan? You may
qualify for our low deposit NZ home loan.
Home loans from 10% deposit.
In the market for your first home loan? You may
qualify for our low deposit NZ home loan.
Home loans. Easy.
10%
deposit
And you can use KiwiSaver!
With home loans from as little as 10% deposit, it's time to make your dreams of home ownership a reality.
Home loan calculator
Could owning your own home be cheaper than paying rent?
Interest rate
% p.a
Amount I want to borrow
Weekly repayments
Apply for a low deposit home loan today and escape the rent trap.
Above figures are a guide only and based on the home loan amount not the property value. The example is calculated on a loan term of 25 years. Weekly repayments are indicative only. Fixed interest rates from 4.80% to 5.50% p.a. Floating interest rate of 5.65% p.a. An additional margin of between 0–4% may apply depending on your personal circumstances. Terms and conditions and responsible lending criteria apply. A $350 approval fee and other fees apply. Click here to view all rates and fees.
More information on our low deposit home loans
Saving for the deposit on your first home can be difficult. Not to mention daunting. Apply for finance for your first home with Unity, and you may qualify for a low deposit home loan. They're designed to make getting into your first home quicker, easier, and simpler. Interest rates? Deposits? KiwiSaver? We work with you through the hurdles.
For more information about how we could help you buy your first home, contact us or speak with our friendly team on 0800 229 943.