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

A dosh home loan Streak reward entitles active dosh home loan holders to an annual cash reward of 0.01% of your average loan balance at the anniversary date of your home loan draw down date. Your dosh Streak will increase each year by 0.01%, up to a maximum reward of 0.20% of your average loan balance. 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.
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T&C's apply.

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.

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.

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

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.