How do I apply for a home loan?

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• If I join Simplicity, how long before I can apply for a first home loan?

  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.

• 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 ...

• Does being selected in the refinancing ballot guarantee I’ll get a loan?

  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.

• What if I'm not a Simplicity KiwiSaver member?

  You need to be a Simplicity KiwiSaver member to apply for a first home loan, but the good news is it takes less than two minutes to switch. Whether you're brand new to KiwiSaver or switching from another provider, all you need is your IRD number and ...

• How long does it take to join Simplicity?

  It takes less than two minutes to complete the application form to switch to the Simplicity KiwiSaver Scheme. It then takes 1-2 working days to process your application. As soon as your account is set up and you have received an email with your login ...