Get $5,000 cash back on your first home loan
If you’re buying your first home and borrowing $250,000 or more, you could be eligible for a cash contribution of at least $5,000. T&Cs apply.
Tools for first home buyers
First home buyer calculator
Use our first home buyer calculator to work out how much you may be able to borrow and compare different repayment scenarios.
Repayments & structuring calculator
Work out what your mortgage repayments would be once you're in your new home. Use this calculator to compare different term loan structures, interest rates and repayment amounts.
Home loans jargon buster
Both the property and home loan worlds have a lot of technical language. See our guide with some simplified explanations to help you understand.
Understanding your home loan structuring options
We explain the differences between fixed, floating, revolving and offset loans, alongside the benefits of each and how they can also work together to help you figure out how to structure your home loan.
Kiwibank's guide to home loans
Before you learn about the different home loan options available, it’s important to understand the basics.
How do revolving home loans work?
A revolving home loan is the ultimate in flexibility. It works like an overdraft, but on a much larger scale. You have a credit limit which you can draw up to at any time. Managed carefully, it can be a great way to have funds available if and when you need them. More about revolving home loans
Offset home loan
Offset home loans take into account the total balance you have in your linked Kiwibank everyday accounts, before calculating how much interest to charge on your home loan, saving you money on interest. More about offset home loans
Fixed rate home loan
A fixed rate home loan gives you the benefit of certainty by locking in your interest rate for a specific period of time. Your interest rate will depend on how long you can choose to “fix” the loan for. More about fixed rate home loans
Variable rate home loan
A variable rate home loan offers lots of flexibility. The interest rate and the payments you make can change over the term of your loan. More about variable rate home loans
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Let's get you into your first home
Talk to a specialist
Our home loan specialists can walk you through the process of buying a home and discuss what your options are.
First home buyer calculator
Our first home buyer calculator allows you to work out how much you may be able to borrow and compare different repayment scenarios.
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Sign up for the newsletterHome loan standard terms and conditions
Displayed interest rates are subject to change. Kiwibank’s lending criteria, terms and conditions, and fees apply.
Co-own: Maximum four people per application. Offset home loan may not be available. Excludes business banking.