COVID-19 update
For information on how the traffic light system works and the latest branch opening hours, see our branch updates page.
Whether you’re buying, building or renovating, nesting or investing, we’ve got home loans to suit and specialists, a home loan repayment calculator and competitive interest rates to help get you there.
Find the right home loan for you
Interest rates are subject to change.
Switch to Kiwibank and get our home loan rate fixed for 3 years
Want a home loan that’s homegrown? We’re making it easy to switch to Kiwibank with our free refinancing package and a great rate of fixed for 3 years.
Minimum 20% equity. Interest rates subject to change. Kiwibank’s lending criteria, terms and conditions, and fees apply. See T&Cs for free refinancing package conditions.
Bank of the Year - Home Loans
We've received Canstar's 2021 Bank of the Year - Home Loans Award.
Get help with your home loan
Getting a home loan
First home buyers
Make home a place you own with our low interest rates, home loan specialists, tools and guides to help you through the maze of your first home buying journey.
Make home a place you own with our low interest rates, home loan specialists, tools and guides to help you through the maze of your first home buying journey.
Switch your home loan
Looking for a new home for your home loan? Our competitive interest rates, refinancing package and structure tailored to suit your circumstances are great places to start.
Looking for a new home for your home loan? Our competitive interest rates, refinancing package and structure tailored to suit your circumstances are great places to start.
Buy your next house
Whether you’re moving to a new home or looking to join the property investor ranks, we can help you buy your next house.
Whether you’re moving to a new home or looking to join the property investor ranks, we can help you buy your next house.
Start your home buying journey
Whatever stage you're at, we have home loans specialists and tools to help you through the process.
Free refinancing package conditions
Minimum lending of $50,000 with at least 20% equity. Maximum of two securities refinanced from another bank with no change in property ownership. Loans must not have guarantees and documentation must be signed by the property owner(s). The refinance can't form part of a series of same day transactions. You may need to pay for a) a Registered Valuation b) your existing bank's break cost and fees c) your own solicitor costs. Excludes Business Banking.
Standard terms and conditions
Displayed interest rates are subject to change. Kiwibank’s lending criteria, terms and conditions, and fees apply.