You are here: Home Loans Pre-approved Home Loan

Pre-approved Home Loan

A Mortgage Warehouse mortgage advisor can give you an edge and reduce the stress and hassle when you are buying a house.

At Mortgage Warehouse we like be organised early. Hassle free and stress free is what we want.

Getting your finance pre-approved means that you can focus on buying the right house for the right price.

This is how it works

You complete a loan application.

This will be reviewed soon after you complete the final page (during business hours).

At Mortgage Warehouse, every case is managed according to its needs. This means that there is nothing typical or 'off the shelf' about our process however, our standards of service are consistent across all mortgage transactions.

What happens after I apply?

Find out what happens after you apply?

A pre-approved home loan may have some conditions to satisfy before it can be considered unconditional. The important thing is that it takes care of most of the paperwork that our lenders' need. We like to get this done early so any conditions of finance can be dealt with case-by-case to suit the property.


You may be able to withdraw some or all of your KiwiSaver savings to put towards buying your first home.

You must be in KiwiSaver for at least 3 years before you withdraw funds for your first home.

You can withdraw:

  • your contributions
  • your employer’s contributions
  • the government contribution
  • interest you have earned
  • fee subsidies (if you got these).

You must leave $1,000 in your account. Funds transferred from an Australian Complying Superannuation scheme cannot be withdrawn.

See here (IRD web site) for more details.  This link will open in a new window. 

Perhaps you just want to discuss your situation

No problem, we are happy to help where we can. Our contact form will give us some information to answer your questions, or go all the way and complete our secure loan application.

Apply Contact