How to Apply

There are several ways you can apply for a Thoroughbred Home Loan or get more information. You can:

  • Apply online for a conditionally pre-approved home loan (to get an indication of how much you can spend on a home before you start looking)
  • Apply online by completing and submitting a Loan Application
  • Call 0800 185 185 for an appointment with a Mobile Mortgage Manager or a lending specialist at your branch. You may be able to apply for a home loan over the phone, without having to come in to see us
  • Contact a Mobile Mortgage Manager in your area
  • Contact your nearest branch
  • E-mail us to order a brochure or have a lending specialist contact you
  • View or print an application form. If you're under 18, a non-resident or a business customer, please call 0800 185 185.

What you need when you apply

If you're applying for a home loan, you need to have this information on hand:

  • Your bank account details
  • Details of your current financial position (existing mortgage/loan details, hire purchase commitments, valuations of major assets, for example).
  • Evidence of your income. It can be a recent pay slip, a letter from your employer (on letterhead), IRD return, rental appraisal, copy of tenancy agreements or your annual accounts for the last three years if you're self-employed.
  • A registered valuer's report may be required for different property types or borrowing requirements (apartments, lifestyle blocks or if you're building a property for example). We may also ask you to provide additional information other than that set out above.

How long does it take?

Once you have provided all the required information including evidence of your income, we may be able to approve your loan immediately, or at least provide conditional pre-approval.

Our lending criteria and an application fee apply. Conditions apply to home loan pre-approvals. A low equity premium may apply where a loan amounts to over 85% of the property’s value. A registered valuer’s report will also be required for lending over 80% of the property’s value. (Home Loan fees).

National Bank Saving and Investment Selector
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Budget Planner

Creating a budget is a great way to help you manage your finances. Enter your income and expenses into our Budget Planner, and we’ll do all the calculations and summarise your results.

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Top tip: Estimating your expenses

Check your account and credit card statements for all your income and expenses. The more information and detail you enter into the Budget Planner the more accurate the results will be.

This material is for information purposes only. Its content is intended to be of a general nature, does not take into account your financial situation or goals, and is not a personalised financial adviser service under the Financial Advisers Act 2008. It is recommended you seek advice from a financial adviser which takes into account your individual circumstances before you acquire a financial product. If you wish to consult one of The National Bank's financial advisers, please contact us on 0800 18 18 18.

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What now?

You’ve made a good start to budgeting – take some time to review or discuss your results. You can either print your Budget Planner or save it as either a PDF or an excel document for future use.

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Save and Invest

Organising your savings and investments can be simple. All you have to do is decide what your goals are, and we can help you find the best way of achieving them.

More information

If you’d like to talk further about any of these options, call 0800 18 18 18, contact any branch, or e-mail us.

A copy of the Bank's Disclosure Statement under the Reserve Bank of New Zealand Act 1989 is available on this website or on request from any National Bank branch, free of charge.

You'll need Adobe Acrobat Reader to read the PDF version. If you don't have it, don't worry - it's free. Just follow this link to the Adobe site to download a copy.

The taxation treatment of Portfolio Investment Entities is covered in the Investment Statement (PDF 138KB).

* ANZ Investment Services (New Zealand) Limited is the issuer/manager of the National Bank Call Fund. The New Zealand Guardian Trust Company Limited is the Trustee of the Fund. The National Bank of New Zealand, part of ANZ National Bank Limited is the distributor of units in the Fund. Units in the Fund do not represent deposits or other liabilities of ANZ National Bank Limited. An investment in the Fund is subject to investment risk, including possible delays in repayment and loss of income and principal invested. No member of the ANZ National Bank Limited Group, the New Zealand Guardian Trust Company Limited or any other person guarantees (either partially or fully) ANZ Investment Services (New Zealand) Limited or the capital value or performance of the Fund or any other products issued by them.

^ A copy of The National Bank KiwiSaver Scheme Investment Statement is available as a PDF at the below link, or you can request one to be sent to you by calling 0800 156 020 Guardian Trust Superannuation Trustees Limited is the issuer of The National Bank KiwiSaver Scheme, ING (NZ) Limited is the Administration and Investment Manager and The National Bank of New Zealand, part of ANZ National Bank Limited, is the Distributor. Units in the Scheme do not represent deposits or other liabilities of ANZ National Bank Limited. Units are subject to investment risk, including possible delays in repayment and loss of income and principal invested. No member of ANZ National Bank Limited Group, ING Group, Guardian Trust Superannuation Trustees Limited, its parent and their respective directors or any other person guarantees or secures (either partially or fully) ING (NZ) Limited and its subsidiaries or the capital value or performance of the Scheme or any other products issued or managed by them.

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National Bank Personal Loan Debt Consolidation Calculator

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How much could you save if you combined all of your debts into one loan? Simply enter the details of your existing debts into the calculator below, and we’ll tell you how much you could save with a National Bank Personal Loan.

As a special offer, we have a great low interest rate of just 14.95% p.a. available until 31 March 2012 on all new personal loans for the purpose of debt consolidation.

Who I owe money to: Total Owed Interest Rate Repayments Frequency Interest Paid
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This is an estimate only; it is provided for illustrative purposes only and is based on the accuracy of the information provided. It does not constitute a quote. This material is for information purposes only. Its content is intended to be of a general nature, does not take into account your financial situation or goals, and is not a personalised financial adviser service under the Financial Advisers Act 2008. It is recommended you seek advice from a financial adviser which takes into account your individual circumstances before you acquire a financial product. If you wish to consult one of The National Bank's financial advisers, please contact us on 0800 18 18 18.

The interest rate stated is the current rate applicable to National Bank Personal Loans and is subject to change. All applications for credit are subject to The National Bank’s normal lending approval criteria. Terms and conditions are available on application. A minimum loan amount of $3000 applies. Personal Loans cannot be used to repay an existing National Bank Personal Loan or to repay family and friends. Fees and charges apply. The National Bank, part of ANZ National Bank Limited.