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NZHL & Kiwibank

The New Zealand Home Loan Company Limited (NZHL) is your home loan adviser and provides advice in relation to your home loan.

Kiwibank Limited is the lender for your NZHL-arranged home loan. Your home loan agreement is with Kiwibank, not NZHL.

Interest rates

1 Our NZHL special fixed rates are available if we've calculated that you have at least 20% equity, or if you have a Kāinga Ora First Home Loan. In all other circumstances, our NZHL standard fixed rates will be available to you.

Floating rate type

Interest rate

Term loan – NZHL variable

709 - NZHL Term loan - variable (Special and standard) ACTIVE

NZHL reducing revolving

708 - NZHL Reducing revolving loan (Special and standard) ACTIVE

A default interest rate, which is your current interest rate plus 5% p.a. may be charged on each amount that is either overdue or over the limit of your home loan. Displayed interest rates are subject to change.

Kiwibank Limited’s lending criteria, terms and conditions, and fees apply.