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Buying your first home

With ASB you'll have support along the way. Our lending specialists are available 7 days and can guide you through the pre-approval process.

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Where are you on the journey to your first home?

Buying your first home can be an exciting journey. While all paths towards becoming a first home buyer can look a little different, the milestones we reach are often the same. So whether you're still dreaming about it, or you're ready to make an offer or applying for your first mortgage, we can help you reach your goal.

Select your starting point below to get tools and tips for first home buyers to help you reach your destination.

Save

Not sure where to begin? Saving is one of the first steps to buying your first home. Start here for some helpful tips.

Save

Prepare

Find out how to prepare, whether you need a pre-approval on your new home loan or even which suburbs might be best for you.

Prepare

House hunting

Things to consider as a first time home buyer looking for your house.

Search

Buying your home

Ready to make an offer? Check here for the important things to know before you buy.

Buy

Home Loan Borrowing Calculator

Home loan interest rates & specials

Fixed 12 month special rate

Min 20% equity required. Ts&Cs apply.

Fixed 18 month special rate

Min 20% equity required. Ts&Cs apply.

Fixed 24 month special rate

Min 20% equity required. Ts&Cs apply.

Fixed 36 month special rate

Min 20% equity required. Ts&Cs apply.

Fixed 48 month special rate

Min 20% equity required. Ts&Cs apply.

Fixed 60 month special rate

Min 20% equity required. Ts&Cs apply.

Fixed 24 month special rate

Min 20% equity required. Ts&Cs apply.

24-month fixed rate
36-month fixed rate
48-month fixed rate
60-month fixed rate
6-month fixed rate
12-month fixed rate
18-month fixed rate
Housing variable rate

ASB's lending criteria, terms and fees apply. Interest rates are subject to change. A loan processing fee of $400 may apply.

Save

Find out the best ways to save and how much you could borrow with our first home buyers guides and tools.

Prepare

Tips for buying a first home, working out how much you can afford to borrow and even where to start looking for a house.

Buy

Ready to buy your first home? Take a look at our helpful guides and videos to make sure you have everything you need.

Find the right first home loan

Get started today

01. Calculate

Use our calculators to see how much you may be able to borrow. Talk to us about getting a home loan pre-approval.

02. Choose

We have a range of home loans to choose from. Use Help Me Choose to structure a loan that may suit you.

03. Support

We're here to guide you through the application process. You have our support whenever you need it.

04. Apply

You can apply online, with a mobile lending manager, over the phone, or by calling into any ASB branch.

Apply for an ASB home loan

Apply online

Ready to take the next step? Apply online and we’ll respond within four business hours.

Apply online

We can come to you

Our mobile lending managers cover much of the country.

Find a lending manager

Visit a branch

Visit us at one of our many branches across New Zealand.

Find a branch

Any questions?

We’ll help with your ASB home loan query.

Ask us now

Call us

Speak with one of our lending specialists 7 days a week.

0800 100 600

ASB's lending criteria, terms conditions and fees apply.

Home loans Buying your first home