Free home loan advice to help you get ahead.

Home loans

Buying your own home is likely to be one of the most exciting and daunting purchases you’ll ever make. We understand how important it is to get the best deal; one that suits you and can help save you thousands in interest over the term of your loan.

We understand how important it is to get the best deal; one that suits you and can help save you thousands in interest over the term of your loan.

Unlike a typical lender or bank, we’ll work with you to put a personalised plan in place to help you get out of debt sooner.

Home loan calculator

Use this calculator as a guide to find out what your home loan repayments could be.

5 easy steps to apply for your home loan

Speak with a Finsol adviser

We’ll discuss your needs, assess your KiwiSaver and HomeStart grant entitlements, and help you select the most appropriate features and home loan rate.

Depending on your situation, this process may take anything from a few days to a couple of weeks.

Loan application

We’ll prepare and submit all of the necessary documents to your nominated lender.

The lender will then assess your application to determine whether you meet their requirements. They will also confirm your income and employment, and conduct a credit check.

Conditional approval

We’ll receive your conditional approval, also known as pre-approval, on your behalf. Conditional approval means you’ll have confidence in knowing how much you can spend and what your repayments will be.

During the security assessment, the lender may require a valuation on the property being purchased.

Insurance

There are a few insurance products you will need to consider:

  • Mortgage Repayment and Life Insurance
  • Home and Contents insurance

We’ll help customise an insurance plan to cover loan repayments if you’re unable to work or if your home if it’s damaged.

Unconditional approval

Once your home loan is unconditionally approved, a formal offer will be issued.

Loan documentation is then sent to your solicitor, who will then liaise with the lender to schedule a settlement date.

kiwi home loans

Getting sorted is easier than you think.

Home loan calculator

Our online home loan calculator is a convenient way to help you budget and assess your options.

Talk to a home loan expert

Call us on 0800 346 765
8.30am – 6pm Monday to Friday

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Saving for your deposit

We know first hand how daunting it can be saving for a deposit for a home. To help you reach your savings goal faster, we offer free budgeting and saving advice, debt consolidation, and KiwiSaver setup.
If you’re not quite ready to purchase a home, meet with one of the team to discuss your financial situation, set some goals, and create a savings strategy.

Booster home loans

Struggling to get a 20% deposit together? We can help. If you’re a first home buyer, you’ll only need a 10% deposit.*
To save you time, we’ll help you through the entire application, KiwiSaver, and HomeStart grant process.
*conditions apply