Home loan application tips

So you’re ready to apply for a loan for a new home you have your eye on, wow that’s exciting! It’s a smart move to get a pre-approval for your loan. Here’s some handy tips about some of the things we’ll need in order to consider your home loan application. This isn’t a definitive list, and as you’d expect, all applications are subject to ASB’s lending criteria.


Home Loan application tips

  • Proof of your income

We’ll need to be sure you have a regular income, so payments on your loan will not put you under financial pressure. If you are employed, we’ll ask to see three of your most recent payslips, or if you work for yourself, a copy of your most up to date financial statements prepared by an accountant.

  • Your debts and outgoings

So that we can work out your outgoings, we'll need to see statements that show your current balance on loans, credit cards, any hire purchase arrangements and store cards etc. You can use our calculator to work out your average monthly expenditure. 

  • Evidence of your deposit

We’ll need to see a bank statement showing you have the deposit available. If you’re using your KiwiSaver savings, call your provider and ask for a written balance estimate.

  • Bank history (If you don’t bank with ASB)

We’ll need to see your last six months' bank statements. These should show your name clearly (or your joint names), the logo of the bank and a running balance over the period of time.

  • Identification

We’ll need two forms of ID, including photo ID, if you are new to ASB. This includes a driver’s licence, passport or something similar. If you already bank with us, then we’ll just need one form of ID.

  • Proof of address

A utility bill (no more than 3 months old), a recent bank statement or government agency statement (such as a rates bill) addressed to you at your current address will be fine.


Other helpful guides

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