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New GO Home Loan Customers
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  • Your home loan guide

    The GO Home Loan structure can be flexible enough to suit a variety of needs, lifestyles and budgets. Check below to find out more about how a GO Home Loan can help you pay off your mortgage faster.


    • Your first home or property?
      Your first home or property?

      Our GO Home Loan can help you take a confident first step into the property market. With your Adviser's help and a home loan that's on your side, it could be easier than you think.

       

      Home loans for your first property
      Our GO Home Loan can help you take a confident first step into the property market. With your Adviser’s help and a home loan that’s working for you, it could be easier than you think.

       

      Talk to someone who understands
      If you're thinking about buying your first property, we recommend you talk to an Adviser, who can help you understand your options and plan your goals. They’ll tell you how much you can borrow, arrange the paper work, and quickly get back to you so you can start looking for your first home.

       

      How much of a deposit do you need?
      You can still achieve the dream of owning your own home.  You may be able to borrow up to 90% of the property’s value.  For example, a home of $400,000 would mean you would need to save a minimum of $40,000.  All home loans are subject to our home loan lending criteria. 

       

      From 1 October 2013, the Reserve Bank introduced restrictions on the proportion of high loan-to-value ratio (LVR) home loans (i.e. loans with a deposit of less than 20%) that we can issue.

       

      While we can still approve a certain percentage of low-deposit home loans, some customers who don’t have a deposit of 20% may need to borrow less or save for a larger deposit.  Note: construction loans are subject to different lending criteria from an existing dwelling.

       

      Talk to your registered Adviser who can help you work through the options.

       

      Other things to consider
      As well as the deposit, you will also need to cover other costs associated with buying a home, including: valuation and solicitor's fees, insurance costs including mortgage protection, removal costs, and your share of any rates that have been paid by the vendor. It may be possible to add some of these costs to your home loan.

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    • Investing in property?
      Investing in property?

      A GO Home Loan can be structured to suit your investment needs, and you can pay rental income directly into your floating account.

       

      Property investment
      Property remains one of New Zealand’s favourite forms of investment. Our GO Home Loan can be structured to suit your investment needs, and rental income can be paid directly into your floating loan account.

       

      GO Home Loans are ideal for property investors

      • ASB  will lend up to 60% on your investment property. Conditions apply.
      • As well as your own personal income, you may use up to 75% of your rental income to service your loan.
      • An interest-only GO Home Loan is often a good choice for residential investors who are looking for capital gain or are using another income source to pay off the loan.
      • With an interest-only loan, your repayments cover just the interest. The principal must be repaid, or transferred to a table loan at the end of the interest-only term.
      • You can pay your rental income directly into your GO Home Loan, so you don’t need to have a separate account to service the loan.
      • For more details please contact an Adviser.
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    New Home Loan Customers
    • Your home loan guide
    • Home loan interest rates options
    • GO Home Loan - Everyday banking for mortgage repayments
    • GO Home loan fees and limits
    • GO Home Loan - Security and privacy
    Let us help you pay off your home loan faster
    Talk to an Adviser
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    Need help? Call us on
    0800 500 174
    Mon-Fri 8am-5:30pm

    Terms, Conditions and information

    Terms, Conditions and information
    - +
    GO Home Loan Terms & Conditions
    Memorandum of Mortgage for Mortgage Holding Trust Company

    Fees, limits and interest rates

    Fees, limits and interest rates
    - +
    GO Home Loans Fees & Limits Guide
    Home loan interest rates

    Disclaimer: The information contained on this site is of a general nature and is intended as a guide only, outlining some of the features and benefits provided by Sovereign Home Loans. All GO Home Loans are subject to our Sovereign Home Loan lending criteria. Early repayment adjustments may apply. For loans with less than 20% equity a Low Equity Margin may apply. The lender is ASB Bank Limited via its nominee Mortgage Holding Trust Company Limited. The transactional account for Sovereign Home Loans is provided by ASB Bank Limited.

    The information contained on this website is general in nature and is not intended as advice. It may not be relevant to individual circumstances and before making any investment, insurance or financial planning decision; you should consult a professional adviser. Copies of our disclosure statements are available on request, free of charge.​

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    CONTACT US

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