Public notices
Upcoming & recent changes for NZHL-arranged home loans
Changes to your internet banking login — it's getting a refresh
- A new login experience coming soon
When you log in to internet banking, you'll see refreshed sign-in screens with a cleaner layout. How you log in hasn't changed — you'll still use your existing access number and password. - During the rollout, you may notice the web address (URL) change when you log in to internet banking, or you move between different parts of internet banking.
- Genuine NZHL URLs always contain "nzhltransact.co.nz".
- We'll be rolling out these updates in phases to small groups of customers, so not everyone will see the updates straight away.
Find out more about our internet banking refresh.
Date effective: Rolling out from 28 January 2026
Date published: 22 January 2026
Home loans variable rate change — 1 December 2025
We’re making rate changes to our variable home loans.
These rate changes impact Term loan — variable and Reducing revolving home loans.
We're decreasing our rates on the following home loans from:
- Monday 1 December 2025 for new loans
- Monday 15 December 2025 for existing loans.
| Empty header |
Previous rate |
New rate |
|---|---|---|
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Term loan — variable* |
5.80% p.a. |
5.65% p.a. |
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Reducing revolving* |
6.05% p.a. |
5.90% p.a. |
* For all bridging loans, the interest rate will be 1% p.a. above our NZHL variable rate or NZHL reducing revolving rate, as applicable.
Date effective: 1 December 2025
Date published: 1 December 2025
Changes to our General Terms & Conditions — 30 November 2025
Summary of changes:
- We’ve incorporated Kiwibank’s scam protection commitments coming into force on 30 November 2025.
- We’ve explained the Depositor Compensation Scheme, which came into effect on 1 July 2025.
- We've updated the payment options available to customers through mobile banking.
Download a copy of the updated General Terms & Conditions effective from 30 November 2025.
Date effective: 30 November 2025
Date published: 14 November 2025
Changes to how we calculate cash contribution repayments — 24 November 2025
We’re updating the way we calculate how much you may need to repay if you've received a cash contribution and your banking relationship has significantly changed within a four year period.
Currently, any repayment is calculated on a yearly pro-rated basis, based on how long it has been since we paid you the cash contribution.
From 24 November 2025, we’ll be calculating the repayment amount on a daily pro-rated basis. The daily pro-rata calculation assumes 1,460 days in the four year period, based on 365 days each year.
For example, if your cash contribution was $4,000, the daily rate is $2.74 per day ($4,000/ 1,460 days).
Date effective: 24 November 2025
Date published: 10 November 2025
Changes to our NZHL fees & limits — 4 November 2025
Summary of changes
We're making some changes to our NZHL Fees and Limits.
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Fees we're removing |
Empty header | |
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Accounts and services fees |
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Fees we're reducing |
Empty header | |
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Accounts and services fees (ATM/EFTPOS card and Visa Debit Card) |
International transaction fee is reducing from 2.5% to 1.85%. |
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Fees we're changing |
Empty header | |
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Debit card fees |
International transaction fee will be charged when you use your card for a transaction that is processed overseas. This includes where the merchant charges you in New Zealand Dollars (NZD). |
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Limits we're increasing |
Empty header | |
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Account limits (ATM/EFTPOS card and Visa Debit Card) |
Increase maximum amount for purchases from $5,000 per day (current) to $10,000 per day. |
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Download a copy of the updated NZHL Fees and Limits effective from 4 November 2025.
Date effective: 4 November 2025
Date published: 1 October 2025
Previous public notices
For older public notices, see our public notices archive.
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Visit nzhl.co.nz
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Contact us
Call 0800 333 238 from within New Zealand
Call +64 4 382 1768 from overseas