Home Loan Offer

To make your home-buying journey even sweeter, we're offering up to $5,000 Cash Contribution with an eligible Unity Home Loan.

• $5,000 for first home buyers (Minimum 20% equity required. Offer also available for Kāinga Ora First Home Loans with minimum 5% equity).
• $3,000 for applicants applying for a standard home loan.

But get in quick - this offer won't last long!

Terms and Conditions

• Unity's lending criteria and terms apply.
• To be eligible for the cash contribution you must be approved for new lending of $250,000 and above.
• The cash contribution is conditional on the applicant agreeing to retain their home loan with Unity for at least 3 years.  If the home loan is refinanced with another financial institution or repaid in full within 3 years of receiving the cash contribution (including in a mortgagee sale), a pro-rata portion of the cash contribution, based on the remaining months left, will be repaid to Unity. 
• This offer excludes top-ups.
• All home loan customers must open a Unity transactional account and have their main source of income deposited into the Unity account. This must be in place before drawdown of the home loan. 
• This offer is subject to change and could be withdrawn at any time and without notice.

Buying your first home

Buying your first home can be both exciting and daunting. But with us, you're in safe hands. Helping Kiwis into their first home is our purpose!

By applying with Unity, you may qualify for a First Home Loan, supported by Kāinga Ora – Homes and Communities. A First Home Loan is designed to make getting your foot in the door even easier. From as little as 5% deposit. To find out if you qualify, click the button below.

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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, click the button below.

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