Pre-approval
Know what lenders may be willing to offer before you make an offer on a property. We help you prepare the information lenders need and explain the conditions attached to any approval.
Home Loans
Home loan advice for buying, refinancing, and building.
Day One helps you compare suitable lenders, prepare your application, and understand the loan structure before you commit.
Pre-approval
First-home buyers
Refinancing
Investment property
Construction loans
First-home buyers
Buying for the first time can feel crowded with unfamiliar terms. We help you understand deposit requirements, loan structure, repayments, and the application process.
Refinancing
If your loan is coming off a fixed rate, your circumstances have changed, or you want to review your structure, we can compare options and discuss the trade-offs.
Investment and construction
We can assist with investment property lending and construction loan scenarios, including staged drawdowns and lender requirements for build projects.
Lender Panel
Lenders we work with.
Our lender panel may change from time to time. Current disclosure information lists the following lenders and funding partners.
ANZ
ASB
BNZ
Westpac
Kiwibank
The Co-operative Bank
SBS Bank
Heartland Bank
Pepper Money
Avanti Finance
Liberty
Bluestone
Basecorp Finance
CFML
ASAP Finance
Southern Cross Partners
Prospa
Pallas Capital
Funding Partners
First Mortgage Trust
Finbase
Plus Finance
Vincent Capital
Cressida Capital
DBR
Bank of China
China Construction Bank
ICBC
What to Prepare
A stronger application starts with clear information.
Exact requirements vary by lender and situation, but most applications need a clean view of income, expenses, debts, deposit, identity, and property details.
- Recent income evidence and employment details.
- Bank statements, existing loan details, and living expense information.
- Deposit source, purchase timeline, and property or build information.
- Any KiwiSaver first-home withdrawal process questions can be discussed as general process guidance.
Start with certainty
Request pre-approval support.
Send a short note about your purchase, refinance, or build plans and we will come back with the next step.