First home buyer special
Kickstart your first home purchase with an unbeatable rate and extra cash!
6.45% p.a. fixed for 24 months + $3,000 cash contribution
Offer available for new lending to First Home Buyers from $250,000. Minimum 20% equity required. Offer also available for Kāinga Ora First Home Loans. This offer is subject to change and could be withdrawn at any time and without notice. Cash contribution terms and conditions apply. |
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Buy, renovate, or refinance
Whether you're in the market for your first home, planning renovations for your current space, or considering a refinancing opportunity, we're here to support you at every turn. For more information about how we could help you achieve your property goals, contact us, apply online or speak with our friendly team on 0800 229 943.
Featured rates
Standard rate 6.99% p.a. 12 months fixed |
Special rate* 6.45% p.a. 24 months fixed |
Standard rate 6.79% p.a. 24 months fixed |
*Offer available for new lending to First Home Buyers from $250,000. Minimum 20% equity required. Offer also available for Kainga Ora First Home Loans. This offer is subject to change and could be withdrawn at any time and without notice.
Fixed interest rates from 6.45% to 7.35% p.a. Floating interest rate of 8.64% p.a. An additional margin of 0.50% - 2.00% p.a. may apply depending on your Loan to Value Ratio (LVR) and property type. T&Cs apply. View our interest rates and fees.
Ready to apply?
If you're ready to complete your home loan application, then let's get started.
- Simply download our full pdf application form below.
- Complete with your details.
- Email to homeloans@unitymoney.co.nz to apply. Easy.