accessibility-audio-enhancementaccessibility-braille-friendlyaccessibility-disabled-accessandroidapp-store-appleapp-store-googlearrow-blackarrow-darrow-green-two-tonedarrow-greenarrow-rarrow-uarrowb-corp-certificationLogo-BBbg-pattern-darkbg-warningbreadcrumbcalculator-bigcalculatorcaret-d-thickcaret-dcaret-l-boldcaret-lcaret-r-boldcaret-rcaret-ucheck-logo-atmcheck-logo-businesscheck-logo-kiwibankcheck-logo-localchevron-blackchevron-dropdownchevron-green-two-tonedchevron-lightchevron-medium-blackchevron-medium-downchevron-mediumchevron-skinny-blackchevron-skinnychevroncircle-arrowclockclose-xcontent-tip-flipcontent-tip-orangecontent-tip-whitecontent-tipcsvdirection-pointerdocumentemail-expertsfacebookfaxfiltersgreen-sheildhamburgerinfo-bginfo-with-squareinfoinner-kiwiinstagramiphonekiwibank-logo-black-textkiwibank-logo-mdkiwibank-logo-printkiwibank-logo-rebrandkiwibank-logo-smkiwibank-logolinklinkedinload-nextlocal-for-kiwibank-logolocation-box-markerlocation-expertslocation-pinEmail_PMS350marker-smallmarkermenumobile-expertsMobile_PMS350mousepadlock-outline-blackpadlock-outlinepadlockpausepdfpencilplay-bigplay-blackplay-roundedPlay - sharpPlay-smallplaypostshop-logopride-markquote-markradio_button--checkedradio_buttonrainbow-tick-whiterebrand-alert-squarerebrand-arrow-rightrebrand-info-squarerebrand-left-right-arrowsrebrand-listsearch-greensearchspeech-bubbletelephone-expertsPhone_PMS350text-bullettick-green-white-backgroundtick-greenticktiktoktriangle-roundedtwentyfour-hoursuservideo-bigvideowarning-with-squarewarning

Hmmm. Looks like your browser is a tad old and isn’t supported.

To get the best experience on Kiwibank.co.nz, please use a supported browser.

Scheduled maintenance

11:30 pm, 9 May - 5:00 pm, 10 May

Scheduled maintenance across the banking industry this weekend will affect payments between Kiwibank and other banks. Find out more.

Kiwibank
  • Personal
  • Business
  • Join
  • Help
  • Contact
  • Banking with us
  • Search Search
  • Login Login
  • Accounts
  • Credit cards
  • Home loans
  • Savings & investments
  • Insurance
  • Rates & fees
  • Thrive HQ

  • Getting a home loan

  • Loan options

  • Calculators

  • Guides

  • On the Ladder TV series

  • Rates & fees

  • Talk to a specialist

  • Apply

Kiwibank
Log in
Search
Show/hide menu
  • Personal
  • Business
Search
  1. Personal banking
  2. Home loans
Kiwibank Join Kiwibank

Contact

  • Contact us
  • Find a branch or ATM
  • Join Kiwibank
  • Find a specialist
  • Feedback & complaints
  • Remediations

Help & support

  • Help hub
  • Scam & fraud hub
  • Tools & calculators
  • Products we no longer offer

About

  • About us
  • News & updates
  • Investor centre
  • Work for us
  • Public notices

Interest rates & fees

  • Personal banking rates & fees
  • Business banking rates & fees
Join Kiwibank
  • Website terms
  • Privacy
  • Terms & conditions
  • Disclosure statements
  • Standard contracts
  • Media releases
© 2026 Kiwibank Limited
Find a branch or ATM
  • Accounts
    Accounts
    • Everyday account
      Everyday account
      • Free Up
      • Visa Debit Card
    • Savings accounts
      Savings accounts
      • Online Call
      • Notice Saver
    • Kids accounts
    • International & travel
      International & travel
      • Sending & receiving international payments
      • Foreign currency accounts
      • Foreign exchange rates & fees
      • Travelling overseas
    • Payments
      Payments
      • Automatic payments
      • Bill payments
      • Direct debits
      • Payment times
      • Safer payments
      • Confirmation of Payee
      • Help with payments
    • Help with your account
      Help with your account
      • Financial hardship & assistance
      • Authority to operate & power of attorney
      • Deceased estates
      • Products no longer offered
      • See all account help
    • Compare accounts
  • Credit cards
    Credit cards
    • Zero Visa
    • Platinum Visa
    • Managing your card
      Managing your card
      • How credit cards work
      • Activate a card
      • Pay a credit card
      • Keep a card secure
      • Balance transfers
      • Disputing a transaction
    • Compare cards
    • Apply for a credit card
  • Home loans
    Home loans
    • Getting a home loan
      Getting a home loan
      • First home buyers
        First home buyers
        • First home buyer calculator
        • Your home loan journey
        • Building your deposit
          Building your deposit
          • KiwiSaver and your first home
          • Low deposit options
        • The property hunt
          The property hunt
          • Conditional approval
          • Finding a home
          • Making an offer
          • Ways to buy a house
        • Structuring your home loan
        • Moving into your home
      • Buying your next home
      • Borrowing to build
      • Investing in property
      • Buying with friends & family
      • Switching to Kiwibank
      • Home loan top-up
      • Sustainable energy loan
      • Cash contribution
    • Loan options
      Loan options
      • Fixed rate home loan
      • Variable rate home loan
      • Offset home loan
      • Revolving home loan
    • Calculators
      Calculators
      • First home buyer calculator
      • Repayments & structuring calculator
      • Next home calculator
      • Borrow more calculator
      • Property investment calculator
    • Guides
      Guides
      • First home buyer guides
      • Get mortgage free faster
      • Tips to your inbox
      • Help with home loans
      • See all guides
    • On the Ladder TV series
      On the Ladder TV series
      • Meet the home buyers
      • Our home loan specialists
    • Rates & fees
      Rates & fees
      • Breaking a fixed term loan
    • Talk to a specialist
    • Apply
  • Savings & investments
    Savings & investments
    • Term Deposits
    • Savings accounts
      Savings accounts
      • Online Call
      • Notice Saver
    • PIE Funds
    • KiwiSaver
    • Fisher Funds options
    • Compare investments
    • Help with investments
    • Open & manage
  • Insurance
    Insurance
    • House
    • Contents
    • Car
    • Life & Living
    • Credit Card Travel
    • Managing your insurance
      Managing your insurance
      • Make a claim
      • Understanding house sum insured
      • Insurance priorities for all ages
      • Review your insurance
      • Products no longer offered
  • Rates & fees
  • Thrive HQ
    Thrive HQ
    • Setting yourself up
      Setting yourself up
      • How to create a budget
      • Make a money plan
      • How to give yourself a money check-up
      • Eight steps to financial fitness
      • Start the money conversation with your kids
      • Money lessons for kids at different ages & stages
      • Tax information
    • Saving & investing
      Saving & investing
      • Starting to save
      • Building an emergency fund
      • The basics of investing
      • Seven steps to saving for a comfortable retirement
    • Borrowing & debt
      Borrowing & debt
      • Getting on top of your debt
      • Your borrowing options
      • How credit checks work
    • Navigating uncertainty
      Navigating uncertainty
      • Tips to get through a financial rough patch
      • Tips to reduce bank fees
      • Financial abuse
      • What is negative equity?
      • Our housing market forecast
      • Falling interest rates & term deposits
    • Calculators & tools
      Calculators & tools
      • Goal Tracker
      • Home loan calculators
      • Become a scammer's nightmare
    • Kiwi stories
  • Join us
  • Help hub
  • Contact us
  • Banking with us
  • Download app
  • Find branches & ATMs
Internet Banking login Internet Banking login