Top
When you decide to buy a home there's a lot to know and do. Our six-step process makes it easier.
When you sell you are probably looking to buy again - which means twice the work. Follow our process so you know what's involved.
Property investment can be very rewarding, but it's not for everyone. Find out how it works and what's involved before you take the plunge.
Sometimes the only way to get what you really wnat is to build from scratch.
Are you getting the best out of your home loan?
 

We have a list of the most frequently asked questions from home buyers and sellers.

Contact/feedback form
Find a branch
Find a Mobile Mortgage Manager
Ask our expert
Frequently asked questions

 

Frequently Asked Questions

I live overseas. Can I get a loan to buy a home in New Zealand?

If I'm overseas, do I have to be a National Bank customer before I could apply for a home loan?

How long do I have to be in the country before I am able to get a home loan?

I am a new migrant, recently arrived in New Zealand. Can I get a home loan?

Will I have a problem arranging a home loan prior to arriving in NZ?

 

Can I prearrange my home loan?

How much am I able to borrow for a home loan?

What are the criteria I would have to meet to qualify for a National Bank home loan?

 

I’m currently renting – can I get a home loan and use my rent as repayments?

I don’t have much (or any) deposit saved – can I still buy a home of my own?

Can I use my parents’ home as a deposit for my first home?

 

How much can I borrow to buy a section (bare land)?

I want to buy a rental property – can I use the expected rental income in my home loan application?

 

Can I get a loan while I'm waiting on the sale of my current home?

What happens to my home loan if I sell my home?

 

Can I switch my home loan from another lender?

 

What home loan terms do you offer?

What kind of fixed interest rate home loans are available?

Can I hold an interest rate?

What happens when my Fixed Interest Rate Home Loan expires?

 

Can I use my home loan to consolidate other debt?

Can I top-up my home loan for other purposes?

What is a repayment holiday?

How can I save money on interest payments?

Can I increase my home loan repayments?

Can I reduce my home loan repayments?

Are there any extra costs in making lump sum repayments?