Our Merry Fixmas home loan offer

These holidays, throw a hot fixed rate home loan under the tree. Plus for all new home loans over $100,000, we’ll also slip $2,000 cash into your transaction account if you bring your everyday banking over to us. The cash bonus may be repayable if you break early. Hurry, this offer is only available until 14 December.

Apply now

We’re here to help you

Our home loan specialists are ready to chat over the phone and in store, and our Mobile Mortgage Managers will come to you – no matter where you are on your home buying journey. Talk to someone.

Save money with our great rates

We achieved a 5-star rating from CANSTAR in four out of the five loan category awards – more than any other bank in New Zealand. Check out our rates.

We stand up for first home buyers

At Kiwibank, you might not always need a 20% deposit to get your first home. Check out how we may be able to help.

Our refinancing package makes it easy

You could save up to $2,000 off the cost of refinancing with our refinancing package, and we’ll make the switch as simple as possible. See the details and conditions.

It’s the whole deal

We’ll help out with whatever you need, including no transaction fees on your everyday banking and free online legal and will services.

And we’ll guarantee it

This is all part of an overall deal that won’t be beaten by the other big banks for at least the first six years of your loan - or we’ll beat the difference.* Check out further details and conditions for our home loan guarantee.

It’s not just about the home loan

We want to help with more than just your home loan. When you bank with Kiwibank, you get:

  • Your own online relationship manager
  • Award-winning internet banking and mobile apps
  • Low cost credit cards and the flashest Airpoint credit cards around
  • Insurance options for your home, your stuff and you
  • There’s heaps more, because we’re the bank that stands up for New Zealand.

Interested? Let's talk

Get in touch or apply now

Kiwibank’s lending criteria, terms and conditions, and other fees apply. Interest rates are subject to change.

To qualify for the cash bonus you must apply and have approved a new Kiwibank Home Loan between 24 November 2014 and 14 December 2014 and draw down your loan by 30 January 2015. You must have your income direct credited into a Kiwibank transaction account. Not for business purposes. Home loan must be more than $100,000 with minimum 20% equity. The cash bonus will be deposited into your Kiwibank transaction account upon drawdown. If the home loan does not remain with Kiwibank for a minimum of 2 years, Kiwibank may require repayment of the cash bonus.