In the red zone? You could apply for:

 

standard variable rate

2% p.a. off

our standard variable rate for one year.

+

4.65% p.a.

based on our current rates.

=

+ a free home energy check worth $300.

  • More info

    If you’re in the red zone and you accept the offer from the government or your insurer to purchase or build elsewhere, we could give you 2% p.a. off our standard variable rate for one 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 2015. You’ll also need to have your salary direct credited to a Kiwibank account. Offer available until further notice.

    See our current home loan rates


Looking to build? You could apply for:

1.00% p.a. off

standard variable rate

.25% p.a. off

all fixed rates

+

Insurance

on a case-by-case basis.

+

+ a free home energy check worth $300.

  • 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 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

$1000

overdraft

+

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.)

    Uninsured?

    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.


Free home energy check

If you’re a new Kiwibank Home Loan customer or you’re looking to top up your home loan with us, and you live in Canterbury, we can organise to have a free home energy check assessor visit your home. They’ll check out your insulation, water and space heating, lighting, glazing and ventilation. They’ll make recommendations about what improvements could benefit your home the most. They’ll also advise what subsidies may be available to you.

How can we help?

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.

Mobile Mortgage Managers in Christchurch

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 25 July 2014 from A.M. Best Company.

Rating Scale

Secure

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

Vulnerable

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

 

  • E Under Supervision
  • F In Liquidation
  • S Suspended