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 (fixed or variable).

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