If you’re thinking about a home loan, start by simply talking to us about what you need.  We can help you understand the options and decide what solution suits you best:

• Come into any National Bank branch
• Call 0800 185 185 to talk to a Home Loan Specialist
• Contact a Mobile Mortgage Manager directly
• Apply online now
• View or print an application form (PDF). (If you’re under 18, a non-resident or a business customer, please call 0800 185 185).

What you’ll need when you apply
You can make the application process easier if you have the right documentation. 

• Proof of income (e.g. payslip or your latest tax return).  If you’re self-employed or new to the country and may have difficulty providing this information, we have special options that may help.
• Your Sale and Purchase Agreement (if you have one).
• A valuation (if you have one) – you may need a valuation in some situations.  We’ll let you know if you do.
• If you’re not a current National Bank customer, we’ll need: Identification (one form of photo ID e.g. driver’s license or passport or two forms of non-photo ID e.g. full New Zealand birth certificate, Certificate of New Zealand Citizenship), your last three months’ bank statements and a piece of mail addressed to your residential address (e.g. electricity or phone bill).

If you print off the application form
Once you have filled in the application form you can:

• Fax us on 0800 66 77 11 
• Mail it to:
  The National Bank
  Direct Service and Sales
  PO Box 62 515
  Auckland  
• Drop it into any National Bank branch
• Talk to a Mobile Mortgage Manager.
  

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The content on our site is for information only. You should obtain professional advice relevant to your circumstances. Our lending criteria, terms, conditions and fees apply to all loans. Contact us for more details.

For borrowing over 80% of a property’s value, a Low Equity Premium on a graduated scale will apply.