Your first home could happen sooner than you think. With a First Home Loan through Westpac and Kāinga Ora - Homes and Communities, you only need a 5% deposit.
To qualify for a First Home Loan, your annual household income before tax needs to be:
Get an idea of how much you could borrow using our affordability calculator.
Work out how much your home loan repayments might be.
Have a free, no obligation chat with one of your local home loan experts to learn more about our range of low deposit options, designed to help you into your first home sooner.
Fill in your details, and we'll get back to you.
Our Home Loan Experts can come to you at a time and place that suits you.
Existing customers can apply for a home loan via Westpac One® online banking.
First Home Loan terms & conditions
General Home Loan terms & conditions
Interest rates are subject to change without notice.
Documents and fees