Current home loan rates

Land your first patch of paradise or switch your home loan to Kiwibank with our competitive home loan interest rates.

See all our home loan 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.

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What will my repayments be?

Work out your regular repayments and how quickly you could pay off your home loan.

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What can I afford?

See what type of house you could buy based on the weekly payments you could afford.

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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.

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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.

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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.

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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.