• Why Kiwibank?
• Home loan options
  • Book a rate
  • Which option's best for me?
  • Variable home loans
  • Offset mortgage
  • Fixed rate home loans
  • Fixed rate break costs
  • Welcome Home Loan
  • Sustainable Energy Loan
  • Kāinga Whenua loans
  • Understanding home loan jargon
  • Canterbury: tools for living
  • Fees explained
• Switch to us
• First home buyers
• Already with us
• Talk to us about a mortgage
• Mortgage calculators
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Home loan options

Types of loans

• Kiwibank Home Loan – our standard home loan. You may be able to borrow up to 95% of the property’s value.
• Welcome Home Loan – for first home buyers with little or no deposit.

Ways to repay

Each type of loan has different repayment options (table, interest only, revolving credit), and different interest rate options. Our home loan specialists can help you figure out the right structure for your loan.

• Fixed rate
• Variable rate
• Capped variable rate
• Offset mortgage
• Revolving credit

Which option’s best for me?

Special home loans

• Help in Christchurch – special offers for those affected by the Christchurch quakes.
• Kainga Whenua loans – for borrowing on Maori land.
• Sustainable Energy Loan – a loan to help fund a renewable energy system.
• Heat Smart New Zealand – a top-up to help insulate or heat your home.

Jargon buster

• Fees explained
• Understanding home loan jargon

Want to find out more or apply?

• Online
• Face to Face
• By phone