Home loan options

At Kiwibank, we’ll tailor your home loan to suit your needs. We offer home loans for a number of purposes – buying a new home, refinancing, investing in residential property, building a house, consolidating debts, renovations, bridging loans and more.

Depending on your circumstances, one of these home loans will be ideal for you:

  • Kiwibank Home Loan – this is the best option for most of our home loan customers and allows you to borrow up to 95% of the property’s value
  • Welcome Home Loan for first home buyers with little or no deposit.

Each type of loan has different repayment options (table, interest only, revolving credit), and different interest rate options:

If you’d like a hand making sure your loan’s structured the best way to suit your needs, one of our home loan specialists can work through it with you.

  • Online
  • Face to face
  • By phone