It's time to reset

We’ve got through lockdown, now it’s time to support New Zealand’s economic recovery. We've reset our variable loan rates – dropping them by 1% and saving Kiwis $20m over the next year.

Current rates & specials

Interest rates are subject to change.

COVID-19 support

What do the recent LVR changes mean if I'd like to purchase my first home?

While the Reserve Bank has removed the restriction to banks, it doesn’t mean the requirement for a deposit has been removed. It simply means that we may be able to lend to customers that we may not have been able to previoulsy.

Getting you into your first home

First home buyers guide

Whether you're ready right now or it's a little while away, we're here to help you on your home loan journey. We've got tools, guides and the right people to support you along the way.

Notices & disclosures