COVID-19 updates
We’ve got a range of initiatives to support you or your business, if you’ve been financially impacted by COVID-19, We also have guides to help you bank from home. For all other updates, see our COVID-19 page.
All our branches have returned to normal trading hours. See our latest branch updates for more information.
Whether you’re buying, building or renovating, nesting or investing, we’ve got home loans to suit and experts, home loan calculators and competitive interest rates to help get you there.
Stepping up to help Kiwis
- We’ve got through lockdown, now it’s time to support New Zealand’s economic recovery. We’re resetting our variable home loan rates, dropping them by 1% and taking them below 4% p.a., saving Kiwis $20m in interest over the next year.
- Our COVID-19 relief and resiliance programme is still in place if you've been financially impacted.
- Read about the recent LVR restriction changes.
Find the right home loan for you
Interest rates are subject to change.
Getting you into your first home
Need help navigating your way into your first home? Our experts, tools, guides, and first home saver package can help you through the maze of saving a deposit, getting conditional approval, making an offer and choosing the right loan structure.
Calculators to get you there
What will your repayments be?
Work out your regular repayments and how quickly you could pay off your home loan.
Work out your regular repayments and how quickly you could pay off your home loan.
How much can you spend on a house?
See what type of house you could buy based on the weekly payments you could afford.
See what type of house you could buy based on the weekly payments you could afford.
How much could you borrow?
Get a quick idea of how much we’ll lend you to buy a home.
Get a quick idea of how much we’ll lend you to buy a home.
Tips and guides to help you get into a home
We can help you get in the door
Our home loan experts can help you on your home buying journey. Or, if you're ready to go, fill out our online application form to apply for conditional approval.
Standard terms and conditions
The calculators should be treated as a guide only. They don't take into account all of your individual circumstances and aren't financial advice.
Displayed interest rates subject to change. Kiwibank’s lending criteria, terms and conditions and fees apply.