Upcoming & recent changes
Changes to our home loan fees — 4 August 2025
We’re making a change to the Kāinga Ora — Lenders’ Mortgage Insurance fee. We’ve updated the Personal Banking Fees & Limits as a result.
Kāinga Ora — Homes and Communities has increased the Lender’s Mortgage Insurance premium for First Home Loans from 0.50% to 1.20% of the loan amount. In turn, we've increased the Kāinga Ora — Lenders’ Mortgage Insurance fee for First Home Loans to 1.00% of the loan amount.
Download a copy of the updated Personal Banking Fees & Limits, effective from 4 August 2025.
Date effective: 4 August 2025
Date published: 21 July 2025
Previous public notices
For previous public notices, see our archived public notices.