Lock in a rate (and your repayments) for a set period of time — from six months to five years.
This rate changes as the market does, but you can make extra repayments any time you like. Also known as a floating rate.
Think of it like a giant overdraft — pay it off or withdraw up to your limit anytime.
If you earn under a certain amount a Welcome Home Loan means you could buy your first home with as little as 10% deposit.
We’ve put together special packages for homeowners dealing with the Canterbury earthquakes — whether you’re building, buying or just need to catch a break.
Kiwibank’s lending criteria, terms and conditions, and fees apply.