We’ve  teamed up with our friends at Squirrel
the award-winning mortgage experts

With Squirrel you’ll receive personalised impartial advice, a mortgage structured to suit your situation and of course a great rate.

  • Access to all the banks
  • As little as 5%* deposit
  • Assistance throughout the process

*Subject to lending criteria, T&Cs apply

Using KiwiSaver for your first home:

If you are a first home buyer you can withdraw KiwiSaver contributions made by you and your employer to use as a deposit towards your new home. You can only do this if you’ve been on KiwiSaver for more than three years.

To be eligible to withdraw some or all of your KiwiSaver you must:

  • have been a KiwiSaver scheme member for at least three years;
  • be planning to live in the house for at least six months, and
  • be buying your first home.

Squirrel HomeBuild – The smarter way to build

For years, homebuyers have had to contend with financing an existing property or paying rent or another mortgage at the same time as making payments against their construction loan. Who can afford to do that? With HomeBuild, no payments are required until the property is finished which makes loan servicing more affordable.

  • We can work with as little as 5% deposits (subject to lending criteria)
  • There are no progress valuations needed
  • No payments during construction

How much can you afford to borrow?

Try our home loan calculator to find out!

Find out more about HomeBuild

The easiest way to finance your new home

Deposit requirements for a mortgage?

KiwiSaver? HomeStart Grant? The Bank of mum and dad?