NZHL Home Loans

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This page is for customers who have a home loan arranged by The New Zealand Home Loan Company Limited (NZHL) on behalf of New Zealand Home Lending Limited. Your home loan provider is New Zealand Home Lending Limited who is an agent of Kiwibank Limited.

Interest rates

Term	Special interest rate¹ If you've got more than 20% equity	Standard interest rate If you've got less than 20% equity
6 month fixed
1 year fixed
2 year fixed
3 year fixed
4 year fixed
5 year fixed
Floating: non-transactional portion²
Floating: transactional portion²

Term	Special interest rate¹ If you've got more than 20% equity	Standard interest rate If you've got less than 20% equity
6 month fixed
1 year fixed
2 year fixed
3 year fixed
4 year fixed
5 year fixed
Floating: non-transactional portion²
Floating: transactional portion²

Displayed interest rates are subject to change.

¹For fixed First Home Loans with less than 10% equity, a 0.25% p.a. premium will apply and will be added to the special interest rate.

²For all bridging loans, the interest rate will be 1% p.a. above NZHL's floating interest rate.

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 component or portion.

New Zealand Home Lending Limited’s lending criteria, terms and conditions, and fees apply.

Changes to NZHL Home Loan Terms and Conditions

We’re updating the NZHL Home Loan Terms and Conditions. The change is effective from 1 June 2021.

Summary of change

We’re replacing Section 2 – “When can your home loan documents change?” with the following wording:

“Your home loan agreement and these terms give us the right to make specific changes to your home loan agreement.

In addition, we can change your home loan agreement, these terms and our fees and limits brochure at any time, but we must give at least 14 days' notice before you are bound by the change.

Our general terms explain how those terms and conditions can be changed. “

The words in bold have a specific meaning. You can find out the meaning of these words in the NZHL Home Loan Terms and Conditions.

The change makes it easier for us to roll out new and improved documents. While the change gives us a broader right to make changes, we’ll continue to treat you fairly and not use this right in an unreasonable manner.

Download a copy of the updated NZHL Home Loan Terms and Conditions (PDF 245.1 KB) effective from 1 June 2021.