Make home a place you own
Co-own, a different way to own
With Co-own you may be able to turn the dream of owning a home into reality by teaming up with friends or whānau! Buying a property together is a way to get on the property ladder sooner.
Guide to buying your first home
Our specialists, tools and guides can help you through the maze of saving a deposit, getting conditional approval, making an offer and choosing the right loan structure.
Low deposit help
If you don't yet have a 20% deposit, there are options that could get you into your first home with a smaller deposit.
Podcast: Teaming up to get on the property ladder
Listen to journalist Bernard Hickey talk to Kiwibank's Philippa Scott and Pip Maxwell on how Co-own could be an option to get you into your first home sooner than you think. This is part of the 'When the Facts Change' podcast series.
Tools & tips to help get you there
Start your home buying journey
Whatever stage you're at, we have home loan specialists and tools to help you through the process.
Talk to a specialist
Our home loan specialists can walk you through the process of buying a home and discuss what your options are.
Find a specialistTry our calculators
Looking to fine tune the structure of your home loan or work out how much you could borrow? Use our calculators to compare options for your home loan.
Calculate nowHome loan standard terms and conditions
Displayed interest rates are subject to change. Kiwibank’s lending criteria, terms and conditions, and fees apply.
Retail products aren't available to financial institutions or wholesale customers.
Co-own: Maximum four people per application. Offset home loan may not be available. Excludes business banking.