NZHL-arranged home loans

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.

Important things to know

You can get a Kiwibank Visa Debit Card

NZHL-arranged home loan customers can order a Kiwibank Visa Debit card within the mobile app or internet banking. Our fees and limits and general terms and conditions have more information — see our legal documents & forms.

Payment processing times vary

Different types of payments are processed at different times. To find out when money goes into and comes out of your accounts, see Kiwibank payment times.

You can make lump sum payments

You can make lump sum payments at no extra cost on your variable home loan on the mobile app or in internet banking.

Depositor protection

The Depositor Compensation Scheme (DCS) came into effect on 1 July 2025. Find out more on kiwibank.co.nz.