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.

Choose from four types of home loans

  • Fixed rate home loan

    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.

  • Offset mortgage

    An offset mortgage 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.

  • Variable rate home loan

    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 credit home loan

    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.

Compare home loan types Read jargon buster

What type of home loaner are you?

Here's a video to help you understand the different types of home loans, and decide which one is right for you.

Home loan rates

Interest rates are subject to change.

Compare all rates and fees

Our home loan experts are here to help

We know that choosing a home loan can be confusing. Our home loan experts can help you through the process.

Find out more

Tools and calculators to help you in the door

Borrowing calculator

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Repayment calculator

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How much can you spend on a house?

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More guides and calculators

Standard terms and conditions

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.

Displayed interest rates subject to change. Kiwibank’s lending criteria, terms and conditions and fees apply.