Looking for mortgage advice

Hi again, I posted here last week about should I buy or keep renting and the suggestion was I should buy.

I have since gone to westpac and got pre-approval for a home loan using kiwisaver as the deposit. The application had no fee as it was a high LVR not the Kaianga Ora 5% deposit application. The bank employee advised me that the 5% version has a $4000.00 application fee.

I assume this is a Westpac fee, but I cant find reference to any application fees online. I will seek more advice before I go forward with a loan, but just wondering does this application fee sound right? Have you had a 5% deposit kiwisaver first home loan without an appliaction fee?

I'd like to use the 5% option as I think leaving some of my kiwisaver in place earning interest may end up saving me more than using it all for the deposit. I just dont have 4k for an application fee