Home Loans
Whether you're purchasing a home for the first time, renewing your home loan, renovating your current home or buying a new one we can help.
Our home loans offer great interest rates, flexible repayment terms, and you won’t be penalised if you want to pay off a little bit extra. We can pre-approve your home loan before you start looking so you know how much you can spend.
Don’t have the 20% deposit required by the banks? No problem! We are happy to consider home loan applications with a smaller deposit*.
Need to talk to someone? Simply contact us and one of our team will be happy to answer any questions you have.
Ready to apply? Complete our home loan application and drop it off to one of our branches or email it to loans@firstcu.co.nz
Our Rates
Floating |
5.85% p.a |
|
1 Year Fixed |
2 Years Fixed |
Special (Less than 80% LVR) |
2.95% p.a |
3.45% p.a |
Standard (Greater than 80% LVR) |
3.45% p.a |
3.95% p.a |
- Am I eligible for a Home Loan?
- What can I afford?
- How do I apply?
- What information will I need to provide?
- What is required on Pre-Approval?
- How long will it take to repay?
- How much and how often will the repayments be?
- Do I have to pay an application fee?
- What about insurance?
- Do I need a lawyer?
- Can I get pre-approval?
- What is the interest rate?
- Do I require a property valuation first?
- Can I make extra payments to my home loan without penalty?
- What is the maximum term?