COVID-19 updates
We’ve got a range of initiatives to support you or your business, if you’ve been financially impacted by COVID-19, We also have guides to help you bank from home. For all other updates, see our COVID-19 page.
All our branches have returned to normal trading hours. See our latest branch updates for more information.
Need help navigating your way into your first home? Our experts, 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.
Changes to the Reserve Bank LVR restrictions
You can find out what these changes might mean for you on our understanding loan-to-value ratio page.
Steps on your home loan journey
Saving a deposit
Generally, you need a 20% deposit to qualify for a home loan, but don't be put off by the thought of pulling together all that money. The best thing you can do is get started. More about saving a deposit or our first home saver package.
KiwiSaver and your first home
If you’ve been in KiwiSaver for at least three years and you meet the eligibility requirements, you may be able to make a first home withdrawal to go towards buying your first home. More about using KiwiSaver to buy your first home
Conditional approval
When you’re looking to buy a house, conditional approval, sometimes called pre-approval, will give you an idea of how much money you’ll be able to borrow. More about conditional approval
The property hunt
The process and your home loan options will vary depending on if you’re a first-time buyer, building a home, buying your next home or buying an investment property. More about property hunting
Getting the right home loan
Set your mortgage up in a way that works with your finances and your lifestyle. Fixed, floating, offset, revolving – or a mixture – we’ve got home loan options to suit. More about the different types of home loans
Moving into your home
Now you’ve found your new home it’s time to dot the i’s and cross the t’s on your paperwork so you’re ready for settlement and moving in. More about settlement and moving in
Tools and calculators to get you there
Talk to an expert - we're here to help
It’s never too early to talk to one of our home loan experts. Even if you’ve just started saving, it’s worth getting in touch to talk about your options.
Standard terms and conditions
Displayed interest rates subject to change. Kiwibank’s lending criteria, terms and conditions and fees apply.
The calculators should be treated as a guide only. They don't take into account all of your individual circumstances and aren't financial advice.