Our current interest rates

Home loan special

2 year fixed

Variable rate


Switch your home loan to Kiwibank

Looking for a better home loan deal? With our competitive interest rates and our refinancing package you could save up to $2,000 off the cost of refinancing. We'll also do all the hard stuff for you, including dealing with your current bank.

Learn more about our refinancing package

Buying your first home

Buying your first home can be a complex and challenging experience, so we're here to help you every step of the way. With our simple guide, you'll be on the road to buying your first home in no time.

Find out more

Home loan calculators

Use our home loan calculators* to get a quick idea of how much you could afford, what you'll need to save for the deposit, and what your repayments could look like.


Talk to a home loan expert - we're here to help

At any stage our home loan experts are available to give you obligation-free advice, help you figure out what you can get, 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. Our home loan team is also available by calling 0800 000 654 between 8am and 6pm, Monday to Friday.


Displayed interest rates subject to change. Kiwibank’s lending criteria, terms and conditions and fees apply.

One year fixed rate offer available between 20 August 2018 – 2 September 2018. Offer also available to Welcome Home Loan customers. Not available to business investment lending.

*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.