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  • Notice to Members:

    2022 SCHOOL SCHOLARSHIP APPLICATIONS now open: Click here to go to application form.  ALL BRANCHES OPEN:  Our branches at Penrose, Manukau and Highbrook are open at their normal hours, but with COVID-19 protocols (click here to view protocols)

    Turn your dream into reality with an Affordable Home Loan

    Whether you’re buying for the first time, refinancing or already have a home loan, we can offer you a home loan package for all your needs.

    View Sample Mortgage Document ›

    Ico House 1

    Buying your first home

    We’ll help make the daunting a possibility. Talk to a dedicated lending consultant and we’ll help you into your dream home.

    Ico House 2

    Move your Home Loan to NZCU

    A confidential talk with an NZCU consultant could help you into a more affordable home loan with a lending solution tailored for you.

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    Managing your Home Loan

    A NZCU Home Loan may give you the options to pay your home loan faster or reduce your regular repayments giving you a life and a home.

    Great Reasons to Choose NZCU

    Competitive home loan interest rates
    Our Lending Consultants can come to you
    We have a tailored home loan just for you
    We’re not on your back, we’re on your side

    Request a call back

    Let’s start with a quick chat on the phone. If things stack up we can arrange a face to face meeting to go over the details before providing you home loan options.

    Request a Call

    NZCU’s lending criteria, terms and fees apply. Interest rates are subject to change. A loan processing fee of $400 may apply. Minimum 20% equity not required.

    Got a Question?

    Call 09 579 1026
    or send a message

    How Much Can I Get?

    Use our Loan Calculators to work out how much you could afford to borrow.

    Apply Online?

    Applying for a loan with NZCU is no hassle at all – just fill in an online loan application.