Want to spruce up your kitchen or go green with solar panels? You might be able to pay for it by borrowing more against your existing Kiwibank Home Loan.

Key features & benefits

  • Use a top-up to pay for a renovation or big purchase instead of using higher interest rate credit cards or personal loans.

  • If you use a top-up to install a sustainable energy system, like solar panels to heat your hot water, you may be eligible for a cash contribution from us to help you pay it off faster.

  • You may be able to use a home loan top-up to pay off existing debts.

How it works

Top-up your existing Kiwibank Home Loan

We have home loans specialists to help you through the process of topping up your existing home loan with Kiwibank.

You’ll need to let us know:

  • the amount you want to borrow
  • what it’s for
  • if there have been any changes to your financial situation since we set up your home loan — e.g. you’ve had a baby or you’re making more money.

If you’ve got a joint home loan with another person, we’ll need to confirm the top-up with them too.

Talk to a specialist

Our home loan specialists can walk you through the process of applying for a home loan top-up and discuss what your options are.

Find a specialist

Call us

Give our home loans team a call between Monday - Friday, 8am - 6pm.

Phone 0800 000 654

Try our borrow more calculator

Use our calculator to work out whether you can borrow more by topping up your existing loan(s), and compare different interest rates and repayment scenarios for the additional loan.

Calculate now