Can I apply for a refinancing loan jointly with someone else?
Can I apply for a refinancing loan jointly with someone else?
Yes. You must confirm that you comply with the eligibility criteria for a Simplicity First Home Loan and at least one applicant must meet all of the following criteria:
Simplicity KiwiSaver member
Refinancing their first home
Does not own any other property (rental or investment property)
No - selection gives you the opportunity to apply for a home loan. All applications are still subject to Simplicity’s lending criteria, credit checks and legal requirements.
It takes 1-2 working days to process a complete KiwiSaver application form. As soon as you've received an email from us with your account and login details, you'll be able to apply for a first home loan.
To enter, at least one applicant must: Be a Simplicity KiwiSaver member, Live in your first home, which must also be your main residence, Be refinancing your existing first home loan, and Not own any other property. Applications must be made by ...
If you’re a Simplicity KiwiSaver member, you can apply online through our member website. Sign in to your KiwiSaver account, click on the Home Loans tab and then fill in the online form. If you're not an existing member, you can join here.
Your minimum mortgage repayments will be processed by direct debit from your chosen bank account. Lump sum or top-up payments can be made at any time without any penalties or break fees. We won't accept payments from credit cards.