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 KiSaver savings, call your provider and ask for a written balance estimate.

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

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 ABC Bank. 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.