Home loans
Buying, building or renovating, nesting or investing, we've got home loan specialists, guides and calculators to help you get there. This is reaching your property goals.
Get 1% of your new home loan in cash, up to $10,000
Whether you're a first home buyer, looking for your next home or are ready to switch, get 1% of your new home loan with Kiwibank as a cash contribution, up to $10,000.
Minimum new lending $300k. Minimum 20% equity required and income credited to a Kiwibank account. Offer available for new home loans applied for from 7 June 2022 - 15 July 2022. Drawndown by 26 August 2022. Conditional on your banking relationship with us not significantly changing over the next four years. Excludes loans for business purposes. Cash contribution terms apply.
Get help with your home loan
Getting a home loan
Co-own, a different way to own
With Co-own you may be able to turn the dream of owning a home into reality by teaming up with friends or whānau! Buying a property together is a way to get on the property ladder sooner.
With Co-own you may be able to turn the dream of owning a home into reality by teaming up with friends or whānau! Buying a property together is a way to get on the property ladder sooner.
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.
Start your home buying journey
Whatever stage you're at, we have home loans specialists and tools to help you through the process.
Talk to a specialist
Our home loan specialists can walk you through the process of buying a home and discuss what your options are.
Find a specialistUse our calculators
Our first home buyer and repayment calculator can help you work out how to manage your home loan, pay your home loan off more quickly or get you into your new home.
Calculate nowStandard terms and conditions
Displayed interest rates are subject to change. Kiwibank’s lending criteria, terms and conditions, and fees apply.
Co-own: Maximum two couples per application. Offset home loan may not be available. Excludes business banking.