Our current interest rates

1 year fixed rate

2 year fixed rate

Variable rate


Get our hot home loan rate of 3.85% p.a. fixed for two years

Want to buy a house or refinance your home loan? Don't miss out on our hot rate of 3.85% p.a. fixed for two years. Minimum 20% equity. T&Cs apply.

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First home buyers

Whether you're ready right now or it's a little while away, we're here to help you on your home loan journey. We've got tools, guides and the right people to support you along the way.

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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.

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

At any stage of your home buying journey our home loan experts are available to give you obligation-free advice 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.

Hot rate terms and conditions

Offer available between 10 - 23 June 2019. Offer also available to Welcome Home Loan customers. Not available for business investment lending. Lending criteria, terms and conditions, and fees apply.

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 are not financial advice.

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