Switch your home loan to Kiwibank

Looking for a better home loan deal? With our refinancing package you could save up to $2,000 off the cost of restructuring. We’ll also do the hard stuff for you, including dealing with your current bank.

Our refinancing package

We’ve put together a service to make switching your home loan as easy as possible. It includes:

  • No legal fees, because our legal transfer service is free. Using your own lawyer could cost up to $1,000
  • No application fee, saving you up to $400 when compared to other banks
  • In many cases, no registered valuation is required. This could save you up to $600 on our usual process
  • We’ll switch all your accounts and move your regular payments from your current bank and we can arrange to close your old accounts for you when we’re done.

Please note that your existing lender may charge break costs or discharge fees which aren’t covered as part of the refinancing package.

Get a $3,000 cash back with a new Kiwibank Home Loan

Back Kiwi with a Kiwibank Home Loan and we'll back you with $3,000 cash plus a great rate of fixed for two years. Minimum 20% equity. Minimum new lending $250,000. T&Cs apply.

Apply for a home loan

To get our refinancing package

  • Your home loan needs to be at least $50,000
  • The ownership of your home loan 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)
  • You can’t finalise the sale or purchase of the property on the same day as refinancing.

The refinancing package isn’t available for business banking purposes.

If you don’t meet the above criteria, you may still be able to use our refinancing package, but you’ll need to pay a refinancing package fee.

If you want to refinance to Kiwibank without using our refinancing package, you’ll need to use your own solicitor. Your solicitor’s fees won’t be covered by Kiwibank.

Ready to make the move?

  1. Complete our online application form. It takes around 25 minutes and you can save it and come back to it if you need to. We’ll ask about your earnings, expenses, savings and how much you want to borrow.
  2. If you’re application is successful, you’ll be conditionally approved. This means that we’ve agreed to loan you a certain amount of money based on the information you’ve provided to us. At this point you’re not committed to anything. The offer lasts for there months, as long as you continue to meet the criteria.
  3. We’ll finalise the home loan offer and you’ll sign on the dotted line.
  4. We’ll switch over your accounts and payments and arrange to close your accounts at your old bank.
  5. Boom. You’re one of us! Just another Kiwi who supports Kiwis.

Start the application process

Applying takes around 25 minutes, and you can save and come back to your application if you need to. We’ll ask you about your earnings, expenditures, savings and how much you’d like to borrow.

Apply online

Talk to an expert

One of our Mobile Mortgage Managers can come to you, or our Banking Consultants are available in selected branches.

Find an expert

New to Kiwibank?

Complete our online application form.

Apply now

Already a Kiwibank customer?

Login to internet banking and go to Apply & Open to get started.

Login to internet banking

Talk to an expert

At any stage of your home buying journey, our home loan experts are available to give you obligation-free advice and guide you through the process right to the end.

Find an expert

Standard terms and conditions

Displayed interest rates 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.

Cash back campaign terms and conditions

Interest rates are subject to change. Minimum 20% equity. If your home loan doesn't remain with Kiwibank for a minimum of three years, a cash clawback may apply. Offer available for new Kiwibank Home Loan lending applied for between 11 - 24 Nov 2019. Lending criteria, terms and conditions and fees apply.