Home loans

Talk to an expert

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

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.

Talk to an expert

One of our Mobile Mortgage Managers can come to you, or our Banking Consultants are available in selected branches.

Find an expert

New to Kiwibank?

Complete our online application form.

Apply now

Already a Kiwibank customer?

Log in to internet banking and go to Apply & Open to get started.

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