Home Loans

NZCU Employees offers a full range of Home Loan options to help our members to purchase, build, refinance or invest in property.


We will  work with you through the process, helping you to work out how much you can borrow so you can get on with finding that new home.  When you are ready we will help you to structure your loan so that it fits your requirements and budget.

First Home Buyer

Co-op staff can help you explore options to get into a first home, including Welcome Home Loans. Welcome Home Loans are designed for borrowers who have a minimum of 10% deposit. The product is supported by Housing New Zealand in the form of Mortgage Insurance. Welcome Home Loans are only available for applicants purchasing a property for owner occupation. While primarily for first home buyers, this product is available to second-chance home buyers in some circumstances.

Next Home

Whether up-sizing, or down-sizing we can help you work through all the options. Fresh Start loans can help people who have/have had previous credit problems, that are considered to be outside the Home Loan criteria of mainstream lenders and are of an understandable nature or unlikely to be repeated. Credit problems may cover adverse items on a credit report, loan arrears, discharged bankrupt, or an outstanding Property Law Notice.


Moving an existing loan is easy – our expert staff can help you structure your loan to better meet your situation and budget.

Investment Property

If you are thinking about investing in property we offer residential investment property loans – come and talk to the team about using equity in an existing property to purchase an investment property, and how to structure your investment property lending.

Home Loan Enquiry

Enquire about a home loan by filling out the online loan referral form and click ‘submit’. You will be contacted to discuss your enquiry and book an appointment to visit our branch.
    Please provide information on the types of savings you have for your deposit