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  • Notice to Members:

    REDUCED HOURS:  Owing to staff shortages, Penrose and Manukau branches will open at reduced hours (10am to 2pm) with COVID-19 protocols (click here to view protocols). You will still be able to contact us by phone on (09) 579 1026 between 9am and 4:30pm weekdays. BRANCH CLOSURES: Our Highbrook and Tip Top branches are closed until further notice. 

    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.

    Ico House 3

    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. Then 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.