NZHL-arranged home loans
Upcoming & recent changes • Legal documents & forms • Key information
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 |
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Term loan – NZHL variable |
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NZHL reducing revolving |
741 - NZHL Reducing revolving loan (Special and standard) - for temporary periods ACTIVE 13 October* |
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.
* Effective rate for new lending from 13 October 2025. Effective rate for existing lending from 28 October 2025.
Kiwibank Limited’s lending criteria, terms and conditions and fees apply.
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Go to NZHL Transact
Log in to internet banking
Visit nzhl.co.nz
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Get the app
Download the NZHL Mobile Banking app:
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Contact us
Call 0800 333 238 from within New Zealand
Call +64 4 382 1768 from overseas