If you’re a Kiwibank home loan customer in Christchurch, we know you’ve got a lot going on. Whether you’re trying to make repairs, move on, or just make ends meet, our specialist team can create a package to help.
If you’re in the red zone and you accept the offer from the government or your insurer to purchase or build elsewhere, we’ll give you 2% p.a. off our standard variable rate for a year from drawdown.
If you already have a Kiwibank Home Loan and your property’s in the red zone, you also won’t have to pay any fixed rate break costs or early repayment fees to switch your current loan to this special variable rate.
The maximum loan amount is $500,000, and you’ll need to apply by 31 December 2013. You’ll also need to have your salary direct credited to a Kiwibank account.
on a case-by-case basis.
If you’re building a new house in Canterbury, we’ll give you:
We can also offer new house insurance policies through TOWER on a case by case basis. To be eligible, you’ll need to have a contents or vehicle insurance policy with TOWER.
If you’re feeling stuck in your current situation, we might be able to help you defer your mortgage repayments for up to two years – talk to us about a transitional loan.
3 months off
Our home loan customers in Canterbury can also still apply for:
(Please note: interest will continue to accrue during the three month repayment holiday, and will be added to the loan principal.)
We can now offer new house insurance policies through TOWER on a case by case basis. To be eligible, you’ll need to have a contents or vehicle insurance policy TOWER – call Kiwibank on 0800 222 491 to find out more.
We know everyone’s situation is different, and we want to help however we can. Talk to one of our mobile mortgage managers to find out how we might be able to help you – whether you’re trying to make repairs, move on, or just make ends meet.
Arrange for a Mobile Mortgage Manager to come to your place or make an appointment to visit a Banking Consultant at your nearest Kiwibank branch.
Install a system that produces renewable energy (like solar panels to heat your hot water), and we’ll kick in some cash to help you pay it off faster. Perfect if you’re building, or worried about relying on the grid in the future.
Got a legal issue or question? As a Kiwibank home loan customer, you can use a free confidential email service to contact a solicitor.
Are your assets (and your loved ones) protected if you die? Use our free online service to create a simple legal will.
The minimum loan amount of a Kiwibank Sustainable Energy Loan is $5,000. The system purchased with your Kiwibank Sustainable Energy Loan must be commercially available to the general public, supplied and installed by a member of the Sustainable Electricity Association of New Zealand or Solar Association of New Zealand, and have at least a 10 year manufacturer’s warranty. Kiwibank’s lending criteria, terms and conditions, and fees apply. Interest rates subject to change. House, Contents and Vehicle Insurance is provided by TOWER Insurance Limited, and TOWER Insurance Limited is solely responsible for any claims under the policy. Kiwibank Limited does not guarantee the obligations of, or any products provided by, TOWER Insurance Limited. Kiwibank Limited may receive a commission on any policy it arranges. Important terms, conditions and exclusions are set out in the House, Contents and Vehicle Insurance Policy wording, which is available at www.kiwibank.co.nz.
TOWER Insurance Limited has a financial strength rating of A- (Excellent) as at 27 July 2012 from A.M. Best Company. The A.M. Best rating scale is available for inspection at every TOWER office in New Zealand.
A++, A+ Superior
A, A- Excellent
B++, B+ Good
C++, C+ Marginal
C, C- Weak
E Under Regulatory Supervision
F In Liquidation