Part One: Getting Started
Wallace is looking for his first home, and is taking the first steps of the home buying journey with Louise, his ASB Mobile Home Ownership Manager.
Whether you're just starting to think about buying or you're already scrolling property listings, this series is here to show that with the right support, home ownership is possible.
ASB Bank Limited's lending criteria and terms apply.
Part Two: The House Hunt
One of the toughest steps in the first home journey is finding the right place! New build, reno project, apartment, townhouse, tiny house – the options are almost endless.
While Wally and Zoe make their way around Hamilton, ASB Mobile Home Ownership Manager Louise is busy in the background making sure Wally's ready to put an offer in when he finds the home for him!
ASB Bank Limited's lending criteria and terms apply.
Part Three: Keys to the Castle
Wally's found his dream first home. In this episode, Louise gets Wallace on track to put an offer in and then talks him through his next steps.
Then, Louise goes to congratulate Wally and takes Wally for a tour of Home Central in the ASB Mobile Banking App – the one-stop-shop for everything related to your Home Loan.
ASB Bank Limited's lending criteria and terms apply.
We're giving first home buyers $5,000 cash when you take out a home loan of $200,000 or more.
Whatever you're looking for in a home, we can help.
ASB's lending criteria and terms apply. To be eligible for the $5,000 cash contribution, you must have new lending of $200,000 or above. The lending must be for purchasing a home to be owner-occupied by the applicant(s) and must be the applicant's first home loan (as determined by ASB). The cash contribution is conditional on the application agreeing that the loan will remain with ASB for at least three years, and if the loan is repaid within that time, a pro-rata portion of the cash contribution, based on the remaining months left, will be repaid to ASB. This offer cannot be used in conjunction with any other ASB cash contribution offer.
Just started thinking about home ownership? Or maybe a real estate app is the most used on your phone? We know that buying your first home and navigating a world of acronyms and jargon can be a little tricky. That's where we come in.
Whether you're browsing, budgeting, or buying, our team of home buying experts will be with you every step of the way to answer any questions you have.
You're thinking about how to get your first home, but you're not sure where to start.
You're now thinking about budgeting and how you can save for your deposit.
You're researching what's out there and hunting for your first home.
You've found a few homes you like and are close to purchasing property.
Follow these quick steps to talk to a home lending specialist about your first home. It's easy in the ASB Mobile Banking app or FastNet Classic internet banking.
Step one: Log into the ASB Mobile Banking app or FastNet Classic.
Step two: Tap 'More' (in ASB Mobile Banking app) or 'Menu' (in FastNet Classic), and then select 'Contact us'.
Step three: Click the 'Book an appointment' button and follow the booking instructions from there.
Step four: Update your personal details, including email and phone number, if they’re out of date.
Step five: Select 'Home Loan' as the main purpose of your appointment (this will match you with an ASB home lending specialist). If you are a first home buyer, select 'Buying your first home'.
Step six: Fill in all relevant appointment details.
Step seven: Select how you would like to talk to the ASB home lending specialist. You'll then be prompted to choose your location, date, time to find suggested available appointments.
Step eight: Your appointment is confirmed! Here, you'll be able to see all of your appointment details.
If you are starting to think about buying your first home, then we have heaps of handy information to help here. The first key step to buying a home is working out what you want and what you can afford. This will help you work out how much you will need to save to turn your dream of buying a home into a reality.
To get a home loan your deposit will generally have to be 20% of the property's value – but it all depends on your individual situation. Buyers may be able to get into a home sooner with a deposit as little as 10%.
When purchasing your first home, the amount you can afford to spend on a house will depend on how much you earn and the expenses you will need to pay. Factors that contribute to how much you can afford to borrow include but are not limited to the following; your income (individual or joint), living costs, number of people supported by your income, KiwiSaver contributions and interest rates. Use our home loan borrowing calculator to see what you could afford to borrow.
To withdraw your KiwiSaver funds to buy your first home, you need to check you are eligible and have a sale and purchase agreement showing you as the purchaser.
If you are eligible, tell your lawyer that you would like to make a KiwiSaver first home buyers withdrawal and they will guide you through the process.
You will need to complete an application, which can take up to 10 days to be processed. For more information see our KiwiSaver first home withdrawal page.
To get started you can apply for pre-approval online, over the phone, at any ASB branch or one of our Home Ownership Managers.
Apply for a new home loan, or to switch your existing home loan to ASB. We'll be in touch to confirm the next steps. Give yourself 5-10 minutes.
One of our team can meet at a time and place that suits you, or you can make an appointment to meet at an ASB branch.
You can pick up the phone and call one of our home lending team, weekdays 8:00am-6:30pm and on Saturday 8:30am-5:00pm.
+64 9 306 3000 for overseas
Existing customers can view and manage loans, apply for a top up and more.
ASB's lending criteria and terms apply.
ASB's terms apply. To use the ASB Mobile app, you need to be registered for FastNet Classic (ASB internet banking). Please call 0800 MOB BANK (0800 662 226) to register for either. It’s free to use the ASB Mobile app, but your usual data costs and standard FastNet Classic transaction and service charges will apply.