Home loans

Your bank rewards you. Dosh does more.

Buying a home or reviewing your existing mortgage? We can help you get a great offer.

Competitive interest rates

Cashback offers for eligible applications

PLUS $1,700 in Phone Dollars when your loan settles

Home loans through dosh are Powered by Westpac.

One home loan. More rewards.

Book a chat

Speak to one of our lending specialists

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Apply now

Apply online in minutes

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Dosh home loan reward offer has a minimum loan size of $300,000, minimum 1 year fixed, and eligibility criteria and T&Cs apply.

The Phone Dollars reward is provided exclusively by One NZ. Use Phone Dollars towards interest-free phones, with Pay Monthly plan & min $99 deposit. Max balance of $4,999 Phone Dollars. Eligibility criteria & terms apply, see one.nz/one-wallet

Interest rates

Freak'n great
home loan rates

View full rates

Dosh Home Loans are approved, issued and managed by Westpac New Zealand Limited (“Westpac”) and promoted by Dosh. Lending and eligibility criteria and terms and conditions apply. Interest rates are indicative only for the fixed term specified after which a higher interest rate may apply. Interest rates are subject to change without notice. Other fees and charges may apply. Minimum 20% equity required and a transaction account with Westpac. Not available with any other Westpac home loan offers or promotions.

today's rate

p.a.

4.49

1 year fixed*

Rewards

Home loan? New phone.

Our all-new rewards programme makes it easier than ever to get the phone you want, when you want.

Get $1,700 Phone Dollars on Settlement*

1 Phone Dollar equals 1 real dollar off the price of a new interest-free phone with One NZ

Learn more

The Phone Dollar rewards are in no way linked to Westpac New Zealand Limited, who hold no liability based on the information displayed or in relation to Phone Dollars payments. *T&C’s and eligibility criteria applies. Minimum home loan value of $300k and minimum 1 year fixed rate applies.

Save time

Complete your application faster and easier than ever

Save time with our 100% digital application process. No need to meet a broker or wait in a phone queue.

Find out more

How it works

From application to a new phone

Save time with our simple application process.

Step 1

Apply online

Whether you're buying or reviewing your exisitng home loan, follow our online application form to apply in minutes.

Step 2

Approval

Westpac NZ will assess your application and upon their approval, we'll provide you with a home loan offer.

Step 3

Settlement

Upon your acceptance of the offer we'll work with you towards settlement of your home loan.

Step 4

New phone

Once your loan has settled, you'll receive $1,700 Phone Dollars to use towards your next new phone with One NZ.

Customer stories

What our customers have received

Auckland

SWITCHED LENDERS

$350k home loan and cashback from Westpac
A new iPhone 17 funded by $1,700 Phone Dollars from One NZ

Christchurch

FIRST HOME BUYER

$600k home loan and cashback from Westpac
A new Samsung Galaxy S25 funded by $1,700 Phone Dollars from One NZ

Nelson

SWITCHED LENDERS

$500k home loan and cashback from Westpac
A new OPPO Find X9 Pro funded by $1,700 Phone Dollars from One NZ

Terms & Conditions, eligibility and qualifying criteria apply. Individual outcomes will vary by application.

How can we help?

Buying a property

Apply for a home loan through dosh to buy a property or get a pre-approval.

Refinancing

Apply to switch your current home loan over through dosh.

Access guides and information

Discover home loan guides and information to help you along the way.

Repayments calculator

Check what your estimated repayments could be with a home loan through dosh.

Frequently asked questions

I’m not a One NZ customer, so how can I use my Phone Dollars from dosh?

If you’re not with One NZ you can still earn Phone Dollars that can be used towards getting your next phone upgrade, faster. Simply sign up to dosh and you’ll be able to access your One Wallet in your dosh app and start earning Phone Dollars.

How do I get my phone when I settle a home loan through dosh?

Upon settling a home loan through dosh, One NZ will give you a $1,700 Phone Dollar reward. Every Phone Dollar equals one real dollar off the price of a new interest-free phone at One NZ. You can also use the trade-in value of your old phone towards your phone upgrade. For more detail see one.nz/one-wallet
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Where can I learn more about Phone Dollars?

Head here to view our full list of FAQ’s on Phone Dollars or for more detail see one.nz/one-wallet

Who is the lender behind a home loan through dosh?

Home loans through dosh are approved, issued and managed by Westpac NZ. Read more about dosh and Westpac in Westpac’s article here.
The Phone Dollars reward is provided and managed exclusively by One NZ and is no way linked to Westpac New Zealand Limited.

Applications may also be assessed by Avanti Finance with approval from applicants.

Am I eligible to apply for a home loan through dosh?

To be eligible to apply for a home loan through dosh, you must meet the below criteria: 
- You are 18 years or older 
- You are a New Zealand citizen or permanent resident 
- Have a stable and regular income (evidence is required) 
- Be able to provide income and liability information upon request 

For the full list of eligibility criteria and LVR requirements see here.

Can I get a home loan through dosh via a broker?

No, this home loan offer through dosh is exclusive to dosh and not available via brokers.

Can I apply for a home loan through dosh if I bank with Westpac today?

Yes. Whether you are buying a property or refinancing your existing home loan, you can apply through dosh and earn Phone Dollar rewards. Eligibility criteria and T&Cs apply. Simply tap Apply to start your application today.