Looking for a better home loan deal? Switch your home loan to Kiwibank and get a competitive interest rate and a structure tailored to suit your circumstances.

Benefits at a glance

  1. Save up to $2,000 using our refinancing package

    With a free legal transfer service, no application fees and often no need for a registered valuation, our refinancing package could save you up to $2,000 off the cost of refinancing when you switch your home loan to us. See eligibility criteria below.

  2. Structure your home loan to suit your needs

    Lock in a competitive fixed rate if you’re after certainty or enjoy flexibility with a variable rate. We’ve also got offset home loans which may reduce the amount of interest you pay on your home loan.

  3. Support New Zealand with a Kiwibank home loan

    When you switch your home loan to Kiwibank, you’re joining a million other Kiwis who are banking on New Zealand.

How to switch your home loan

Our refinancing package

  • There are no legal fees as our legal transfer service is free, saving you up to $1,000 in legal fees.
  • There's no application fee, saving you up to $400 when compared to other banks.
  • In many cases, no registered valuation is required, saving you up to $600.
  • Our package is free of charge when you meet our eligibility criteria. Otherwise, fees apply.

Eligibility criteria

  • Your home loan needs to be at least $50,000
  • You have 20% equity in the property being used as security
  • If you're using an apartment, townhouse or leasehold property as your security, you'll need to obtain (and pay for) a registered valuation
  • The ownership of your home loan property isn’t changing and your home loan is secured by a maximum of two securities (properties)
  • There aren’t any guarantors on your home loan
  • The documentation must be signed by the property’s owner (not a power of attorney)
  • The refinance can’t form part of a series of same day transactions
  • It can't be for business banking purposes.

Current rates & specials

Interest rates are subject to change.

Ready to make the switch?

If you're ready to switch your home loan, complete our online application form. Our home loan experts can also help you with the refinancing process.

Talk to an expert

Our Mobile Mortgage Managers can come to you or our Banking Consultants are available in selected branches for appointments.

Find an expert

Ready to apply?

Our online application form takes around 25 minutes to complete. We'll ask about your earnings, expenditures, savings and how much you'd like to borrow.

Apply online

Already a Kiwibank customer?

Log in to Internet Banking and go to Apply & Open to get started.

Log in to Internet Banking