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Whilst Housing New Zealand sets the eligibility criteria, it is the lender that assesses Welcome Home Loan applications, and makes their lending decision.
In addition to meeting the governments eligibility for a Welcome Home loan, you will also need to meet the lending criteria of your preferred lender before your loan can be made.
All banks and credit unions have slightly different lending criteria but they will include your financial ability to repay the loan, your financial circumstances, your credit history and the way you’ve conducted your bank accounts in the past.