Can you afford to have your mortgage with any other bank?
Can you afford to have your mortgage with any other bank?
We guarantee you the lowest overall cost home loan for the first six years – or we’ll beat the difference.
On a $250,000 mortgage over 25 years, you'll pay:
- in interest with another big bank (at 6.24% p.a. floating rate)
- in interest with Kiwibank (at the Offset Mortgage 5.50% p.a. floating rate)
- more in your pocket with us.
Why Kiwibank?
Better deal – guaranteed*
We guarantee to deliver the lowest overall cost home loan for the first six years of your mortgage – or we’ll beat the difference.
Bury the fees
We’ll cover the cost of your legal fees with our refinancing package** – and with a Kiwibank Home Loan, you won’t pay any transaction fees on your everyday banking (service fees may apply).
Easyswitch
We’ll do the hard work of switching banks for you – just sign a form, and we’ll switch all your existing payments from your old bank account.
Get out of your home loan quicker
We’re committed to helping you get rid of your home loan as quickly as possible. We’ve got dedicated specialists who’ll work with you, at a time and place that suits you, as well as tips and tools to help you.
*The home loan guarantee only applies to home loans from the other big banks.
**The refinancing package is free if your loan is over $50,000, less than 80% of the market value of the residential properties provided as security, transferred to Kiwibank without changing who owns the properties and secured by no more than two securities, if the refinancing documentation is not signed under a power of attorney and if the refinancing does not form part of a series of same day transactions. If you are using an apartment, townhouse or leasehold property as your security, you will need to obtain (and pay for) a registered valuation. The refinancing package is not available for business banking purposes.