First home buyer

It's the Kiwi dream owning your own home, and we're here to help you along the way.

Building a home

There can be some great advantages to building your home, whether it's your first home or your next home.

Buying your next home

Whether you've outgrown your current home, or you're looking to change location we can help you.

Switch your home loan to Kiwibank

With our competitive interest rates and our refinancing package you could save up to $2,000 off the cost of refinancing.


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.

How much could I borrow?

Enter your income and deposit to get a quick idea of how much you could borrow.

What will my repayments be?

Work out your regular repayments and how quickly you could pay off your home loan.

What could I afford to spend?

See what you could borrow based on the repayments you can afford.


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.

*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.

Kiwibank’s lending criteria, terms and conditions, and fees apply.