Westpac understands that buying a home can be stressful.

“Our home loan experts make the whole process as simple as possible,” says Melanie Banner, Westpac NZ national manager of mobile lending – consumer bank. “They can guide you through every stage of the journey, from understanding deposit requirements and lending criteria to conditional approval, making an offer, settlement and beyond. We want you to feel supported at every step.”

All of Westpac’s home loan experts live and work in the communities they serve. “With their deep local knowledge and understanding of regional market nuances they can provide highly relevant guidance,” says Banner. “And, because buying a home doesn’t always fit neatly into business hours, they’re available seven days a week. They’re happy to come to your home, your workplace or anywhere else that’s convenient for you.”

It’s never too early to talk

The best time to start your conversation with a home loan expert is before you start house-hunting.

“That gives us time to understand how much you can borrow, the deposit you’ll need and the lending pathways that may be available to you,” says Banner. “We can also discuss your unique financial goals. This enables us to structure a loan that’s genuinely fit for purpose and aligns your plans for both the short and long terms.”

Securing conditional approval is another key benefit of early contact, particularly for a first home loan and shared equity pathways.

“When you know exactly how much you can borrow, you can be more competitive in negotiations,” says Banner. “You’ll also feel confident enough to take action when the right property appears.”

When speaking with a home loan expert, be sure to ask about your options as a CA ANZ member, as you’re eligible for a preferential home loan rate.

A wide range of loan options

Westpac’s extensive suite of home loan options provides solutions for different life stages and a wide range of financial situations.

• Choices Home Loans have fixed, floating and split-loan options, so you can balance certainty and flexibility with your long-term financial goals. You can also reduce interest over the life of your loan by choosing features such as offset accounts and redraw facilities.
• Greater Choices Home Loans can provide up to NZ$50,000 interest free for five years to help you create a warmer, drier and more energy-efficient home.
• Low-deposit home loans can help you get into your first home sooner.

Find out more about your CA ANZ member offer

As a CA ANZ member, you’re eligible for a preferential Westpac home loan rate. To find out more click here.