Why Kiwibank?

With a Kiwibank Home Loan, we’ll help you get mortgage free quicker.

Get mortgage free quicker with:

  • market leading interest rates
  • home loan specialists who’ll work with you to make sure you get the right loan for your particular circumstances
  • a dedicated relationship team you can talk to anytime
  • a free refinancing package**, and you won't pay transaction fees on your personal banking (service fees may apply)
  • flexibility — life is full of change, so we’ll keep things flexible — now or whenever you need us

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, and that’s guaranteed*. Or we’ll beat the difference.

Check out our tips on how to get mortgage free quicker.

  • Online
  • Face to face
  • By phone

Save money with our great rates

Our competitive mortgage rates are just one of the ways we can help you save money and get mortgage free quicker – and we’ve got the awards to prove it. We achieved 5 star outstanding value home loan ratings from CANSTAR in 6 out of the 7 loan categories – more than any other bank in New Zealand.

We’re here to help you

It’s our job to help you get free of your mortgage as quickly as you can. Our home loan specialists can come to you at a time and place that suits you, you can go to them at many Kiwibank locations, or you can go through everything with them over the phone. They’ll work with you to make sure you get the right loan and repayment plan.

And we’re here for the long term, so if you face a few changes along the way, we’ll keep things flexible for you — now, or whenever you need us. We’ve got a dedicated relationship team you can speak to anytime you need a hand.

It’s free** and simple to switch to us

If you’re ready to switch your home loan to us, we’ll help with all the hard work. We’ll help close your old accounts and set up your new ones, and help redirect all your existing direct debits, bill payments, automatic payments — whatever you need. And our free refinancing package** could save you up to $2,000.

Want to find out more or apply?

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Conditions

*Kiwibank Home Loans are guaranteed to save you money on the overall cost of your home loan over the first six years compared with any equivalent home loan from the other big banks. Or we’ll beat the difference. The other big banks are ANZ, ASB (excluding BankDirect), BNZ and Westpac. The comparison must be with a home loan available to you and similar members of the general public and be based on identical patterns of use.

**The refinancing package is free if your loan is over $50,000, less than 80% of the current 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.

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