You currently have less than a 20% deposit.
Please refer to the section in the book 'When You Have Less Than a 20% Deposit' for some tips and tricks in this space.
We will guide you through the process to give you the best chance of approval as the bank criteria is more specific here.
This will depend on your situation, which bank you’re currently with, if you meet the criteria for a First Home Loan, KiwiSaver and First Home Grant, and your savings history, income, and credit.