freak'n great home loan rates.

Dosh home loans
Switch your existing home loan or unlock the key to your new home with a dosh home loan.
Apply & unlock our 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.

Loyalty pays off

Even more cashback with your home loan

  • Dosh Streak offers an exclusive annual cashback paid by dosh, every year you stick with a dosh home loan.
  • This is in addition to any offers, such as up front cashback from Westpac NZ.
  • Dosh Streak is calculated at 0.12% of your average home loan balance. Estimate your cashback with our Streak calculator.
Dosh Streak T&C's
Apply & unlock rates

Get an estimate on your annual cashback

What is the intended value of your home loan?

$200,000 $1,200,000

Estimated dosh Streak cashback payments
Year 1 $834
Total years 1 - 3 $2,465
Total over 30 years $15,735

*Note that this calculator is intended as a guide only and does not constitute financial advice. Calculations based on a 30 year term and 5.19% interest rate. Savings and benefits are indicative only. Total savings are dependent on the loan size, loan term and interest rates at the time. Dosh Streak T&C’s apply. This Dosh Streak payment example and the Dosh Streak payment is no way linked to Westpac New Zealand Limited, who hold no liability based on the information displayed or in relation to Dosh Streak payments.

Great interest rates

Freak'n great home loan rates

Access competitive home loan rates by applying for a dosh home loan today.

Apply & unlock our rates

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.

Apply & unlock our rates

How can we help?

Buying a property

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

Refinancing

Apply to switch your current home loan over to 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 dosh home loan.

why dosh home loans?

Access competitive home loan rates in the market.
Earn annual cashback for your loyalty with our exclusive dosh Streak.
Say goodbye to paperwork with our fast and easy digital application. Apply in minutes.
Choose from a floating rate, fixed rate or split with multiple loan accounts.
Whether you're buying your first home, upgrading, or refinancing, dosh is here to make your dreams a reality.
Apply now
Save with great interest rates
Get rewarded annually for loyalty
100% digital application
Apply in minutes

chat with our team

Our digital support team is available 7 days a week to answer your dosh home loan questions.
Chat now

Frequently asked questions

What does the application process look like?

The dosh home loan application process is simple, completely digital and can be completed within 6 minutes.

How does a dosh home loan Streak work?

It's easy. A dosh home loan Streak reward entitles active dosh home loan holders to an annual cash reward of 0.12% of your average loan balance at the anniversary date of your home loan draw down date. If you are eligible for a dosh Streak reward, your cash payment will be made automatically into your dosh everyday account within 3 business days after the anniversary date of your loan draw down date.

Streak rewards are exclusively offered by dosh in addition to any offers, such as up front cashback, from Westpac NZ.
‍
T&C's apply.

Am I eligible to apply for a dosh home loan?

To be eligible to apply for a dosh home loan, you must meet the below criteria:
- You are over 18 years of age and you are a NZ citizen or permanent resident
- As the primary borrower you are employed full time with 3 months steady income and can provide 3 months of bank statements.
- You are buying an existing residential property to live in and looking for a loan up to 80% of its value.

‍See the full list of eligibility criteria here.

What types of home loans can I get with a dosh home loan?

Dosh home loans are available for refinancing or purchasing a residential property. Your dosh home loan can be structured with a fixed or floating rate.

Can I get a dosh home loan through a broker?

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

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

Yes, whether you bank with Westpac or another NZ bank, you can apply to switch your home loan or purchase a property. Simply tap Apply to start your application today.

Apply now

Make your move today and apply for a dosh home loan in minutes.

Apply & unlock rates

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Join our network of thousands of clever Kiwis spending, saving and borrowing in dosh. Get dosh today.

Download the app
2 minute account set up
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Dosh is a brand of MCA Investments Limited, a registered company in New Zealand (NZBN 9429048713511), and a registered financial services provider (FSP1000801).
‍
Dosh is not a registered bank. However, your funds are held at a NZ registered bank.
‍
Dosh does not provide any financial advice or recommendations. Any information we make available to you
does not take into account your particular investment objectives, financial situation, or investment needs. None of the information we provide can be taken as investment, financial, or tax advice. If you are unsure whether or not a particular Dosh offer is right for you, you should get advice from a financial adviser.
© 2025 MCA Investments Limited.
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. The Streak cashback is provided exclusively by Dosh.