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.
With no rate rises during your term, a fixed term home loan gives you the confidence of knowing exactly how much your regular mortgage repayments will be.
An offset loan can reduce the amount of interest you pay on your home loan, by using money in your everyday and savings account to ‘offset’ your home loan interest charges.
With a variable rate (also known as a floating rate), the interest you pay on your home loan can go up or down as interest rates rise and fall and you have the option to pay extra repayments whenever you like.
Revolving home loans work like a big overdraft. Your loan becomes your everyday account, so money flows in and out of your loan balance as you get paid and as you spend and pay bills.
Fixed, floating, revolving and offset got you confused? We explain the differences and the benefits of the various home loan types we offer in handy videos so you can work out the best structure for you.
Standard terms and conditions
Displayed interest rates are 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.