Public notices
Upcoming & recent changes for NZHL-arranged home loans
Changes to your internet banking login
- 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 move between different parts. This is expected and your banking remains secure.
- 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: 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 |
|---|---|---|
|
Term loan — variable* |
5.80% p.a. |
5.65% p.a. |
|
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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Contact us
Call 0800 333 238 from within New Zealand
Call +64 4 382 1768 from overseas