Public notices archive
Rates • Upcoming & recent changes • Legal documents & forms • Key information
Public notices from 2025 for NZHL-arranged home loans
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 25 August 2025 for new loans
- Monday 8 September 2025 for existing loans.
| Empty header |
Previous rate |
New rate |
|---|---|---|
|
Term loan — variable* |
6.35% p.a. |
6.15% p.a. |
|
Reducing revolving* |
6.60% p.a. |
6.40% 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: 25 August 2025
Date published: 25 August 2025
We’re making a change to the Kāinga Ora — Lenders’ Mortgage Insurance fee. We’ve updated the NZHL Fees and Limits as a result.
Kāinga Ora — Homes and Communities has increased the Lender’s Mortgage insurance premium for First Home Loans from 0.50% to 1.20% of the loan amount. In turn, we've increased the Kāinga Ora — Lenders’ Mortgage Insurance fee for First Home Loans to 1.00% of the loan amount.
Download a copy of the updated NZHL Fees & Limits, effective from 4 August 2025.
Date effective: 4 August 2025
Date published: 21 July 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:
- Tuesday 3 June 2025 for new loans
- Monday 16 June 2025 for existing loans.
| Empty header |
Previous rate |
New rate |
|---|---|---|
|
Term loan — variable* |
6.50% p.a. |
6.35% p.a. |
|
Reducing revolving* |
6.75% p.a. |
6.60% 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: 3 June 2025
Date published: 29 May 2025
We’re making some changes to our Home Loan Terms and Conditions.
- In section 7 'How do you make payments on your loan?', we've clarified what happens if your payment account goes into unauthorised overdraft or if it exceeds any approved overdraft limit or credit limit.
- In section 10 'What is a default and what happens if your home loan is in default?', we’ve expanded the text to include that your home loan will be in default if you haven’t provided all information we request to enable us to comply with relevant law or legal rules, or we believe it is necessary or prudent to protect our legitimate interests.
- In section 15 'What if you’re the trustee of a trust?', we’ve expanded the text to include the requirement that the independent trustee hasn’t made any untrue representations. This ensures that the definition of a limited liability trustee is consistent with our other lending documents.
- We’ve included a commitment that we’ll act reasonably when we do anything under your home loan agreement, taking into account both your and our interests at the time. We already do this but we've added it into the Home Loan Terms and Conditions to be consistent with our other lending documents.
- We’ve removed reference to specific home loan fees that are being removed on the effective date.
- We’ve also improved the readability of some sections while maintaining the current meaning of those sections.
Download a copy of the updated Home Loan Terms and Conditions, effective from 5 May 2025.
Date effective: 5 May 2025
Date published: 17 April 2025
We've made some changes to our fees and limits, including removing the following home loan fees.
|
Demand fees |
When we demand payment of all amounts outstanding under your home loan because you are in default.
When we pay local authority rates that are due on security provided for your home loan.
|
|
Consent fee |
For requests relating to registrations affecting land titles, priorities work, and other consent related activity of a similar nature.
|
We've introduced wording to clarify that properties owned by a trust will no longer be eligible for the Kiwibank Refinance Package.
Download a copy of the updated NZHL Fees and Limits which includes these fee changes, effective from 5 May 2025.
Date effective: 5 May 2025
Date published: 17 April 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 14 April 2025 for new loans
- Monday 28 April 2025 for existing loans
| Empty header |
Previous rate |
New rate |
|---|---|---|
|
Term loan - variable* |
6.75% p.a. |
6.50% p.a. |
|
Reducing revolving loan* |
7.00% p.a. |
6.75% 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: 14 April 2025
Date published: 9 April 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 loan products from:
- Monday 24 February 2025 for new lending
- Monday 10 March 2025 for existing lending.
| Empty header |
Previous rate |
New rate |
|---|---|---|
|
Term loan – variable* |
7.25% p.a. |
6.75% p.a. |
|
Reducing revolving loan* |
7.50% p.a. |
7.00% 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: 24 February 2025
Date published: 21 February 2025
To see other previous public notices, see our public notices archive.
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