Looking to build? You could apply for:

1.00% p.a. off

standard variable rate

.25% p.a. off

standard fixed rates



on a case-by-case basis.

  • More for building

    If you’re building a new house in Canterbury, we could give you:

    • 1% p.a. off our standard variable rate for a year from drawdown, and
    • 0.25% p.a. off any of our standard fixed rate terms.

    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 and meet their criteria.

    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.

    See our current home loan rates

Already have a home loan with us? You could apply for:

3 months off

Repayment holiday




Need help?

Just ask!

  • More

    If you’re already a Kiwibank home loan customer in Canterbury, you can also apply for:

    • a three month repayment holiday on your loans (including business banking loans)
    • a $1,000 overdraft, or an increase of $1,000 on your exisiting personal overdraft or revolving credit facilities.

    (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 and meet their criteria – call Kiwibank on 0800 222 491 to find out more.

How can we help?

To help support you through your repair/rebuild process, Kiwibank has a dedicated earthquake lending specialist . Rachael Delahunty is available to help you with your earthquake needs, as well as being able to help you with any future needs or goals that you might have as you move through your repair or rebuild.


  • Getting your deed of assignment / insurance forms signed
  • The redraw of your EQC funds
  • Top ups for betterment and/or excess payments
  • Solar energy loans
  • Purchasing or building in different location.

Contact details for Rachel:

Also check out:

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.

Home energy checks are only available to customers living in Canterbury who are taking out new home loans or topping up their home loan with Kiwibank. Home energy checks are not available to existing home loan customers.

Kiwibank lending criteria, terms and conditions, and fees apply.

TOWER Insurance Limited has a financial strength rating of A- (Excellent) as at 24 July 2015 from A.M. Best Company.

Rating Scale


  • A++, A+ Superior
  • A, A- Excellent
  • B++, B+ Good


  • B, B- Fair
  • C++, C+ Marginal
  • C, C- Weak
  • D Poor


  • E Under Supervision
  • F In Liquidation
  • S Suspended