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We realise what a big commitment it was for you to choose a Kiwibank Home Loan, so first up, thank you. We really value your business, and we want to make sure you're always happy with your loan, and that it's working for you — now and in the future.

Our home loan relationship team is standing by to help you whenever you need them on 0800 000 654. They'll help you with:

  • refixing your loan
  • changing your repayments
  • reviewing your loan
  • checking your loan balance
  • topping up your loan
  • buying another house
  • getting mortgage free quicker
  • anything else you need!

Special benefits for Kiwibank home loan customers

  • Free online legal advice

    Free legal advice through Legal Access Services (NZ) Ltd

    As a Kiwibank Home Loan customer, you can use a free confidential email service to contact a solicitor who can answer your legal questions.

    Solicitors who offer advice belong to law firms that are approved members of the New Zealand Law Society and Legal Access Services (NZ) Ltd's legal panel. They aim to respond within three business days, but may take up to five business days if your question is complex.

    Please note that further or ongoing advice from the solicitor, beyond the free contact and response provided within the scope of this service, may be subject to fees and a formal cost agreement between you and the solicitor.

    Ask a legal question.

  • Free online will

    Free online wills through Legal Access Services (NZ) Ltd

    Many people die without having a will, leaving behind unnecessary hardship for their surviving spouse, family and friends.

    As a Kiwibank Home Loan customer, you can create your own legal will online in just 10 minutes.

    Use this simple online form to answer some quick questions to make sure the free Simple Will is right for you. You can then create your Simple Will.

  • Warm up New Zealand - home loan top-ups

    Kiwibank is proud to support the Government’s insulation and clean heating programme – "Warm Up New Zealand: Heat Smart".

    Under this initiative funding can be provided to help towards the cost of insulating or heating your home. For Kiwibank customers who qualify for the scheme and are approved for a top–up to their home loan, we’ll waive the usual top–up fee.

    For more information on the "Warm Up New Zealand: Heat Smart" programme, the funding available and a directory of providers in your area, please visit the EECA ENERGYWISE™ website.

In times of change, we're flexible

At Kiwibank, we know life's full of changes — from a new baby in the family to illness or any number of different situations. We're ready to talk to you anytime your life takes a new direction and you think you might need a hand with your finances.

We'll take you through all your options, including:

  • taking a complete break from your repayments
  • paying interest only for a while
  • restructuring your home loan
  • many other options to suit your particular circumstances.

The earlier you call us the better, so we can be the most help. If you think you could use a hand, call us on 0800 222 224.

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