Talk to one of our home loan experts
At any stage our home loan experts are available to give you obligation-free advice and guide you through the process right to the end. Our Mobile Mortgage Managers can come to your choice of location and our Banking Consultants are available at your local Kiwibank branch.
Current home loan rates
Land your first patch of paradise or switch your home loan to Kiwibank with our competitive home loan interest rates.
Home loan calculators*
How much could I borrow?
Tell us your income and deposit to get an idea of how much you could borrow to buy a home.Calculate now
What will my repayments be?
Work out your regular repayments and how quickly you could pay off your home loan.Calculate now
What can I afford?
See what type of house you could buy based on the weekly payments you could afford.Calculate now
Why you should get a home loan with Kiwibank
Thinking about Kiwibank for your home loan? Here are a bunch of reasons that set us apart from everyone else:
We make switching easy
With our competitive home loan rates and our refinancing package, you could save up to $2,000 off the cost of refinancing – plus we'll also do all the hard stuff for you including dealing with your current bank.Find out more
We stand up for first home buyers
We aim to get Kiwis in the door faster with our home-buying guides, nifty tools and great home loan rates. CANSTAR back us too, awarding Kiwibank the 2018 First Home Buyers Bank of the Year Award for the eighth time.Find out more
We can tailor your mortgage
We offer home loans for a number of purposes – and we can tailor your mortgage and repayments to suit your personal circumstances, whether you're looking to purchase your first home, your next, renovate or even build one.Find out more
Keen to get started?
Whether you’re applying for a home loan, looking to move your home loan or topping up your existing loan, you can start by having a chat with one of our Mobile Mortgage Managers who can come to you or our Banking Consultants who are available in selected branches. If you're ready, applying through our online application form only takes around 25 minutes, and you can save and come back to your application if you need to.
Hot Rate Terms and Conditions:
Offer available between 24 September – 7 October 2018. Offer also available to Welcome Home Loan customers. Not available for business investment lending. Lending criteria, terms and conditions, and fees apply.
Displayed interest rates subject to change. Kiwibank’s lending criteria, terms and conditions and fees apply.
*The calculators should be treated as a guide only. It does not take into account all of your individual circumstances and is not financial advice.