Switch your home loan to Kiwibank

Switch your home loan to Kiwibank and get our refinancing package and a structure tailored to suit your circumstances. This is a competitive home loan deal.
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Benefits at a glance

  1. 1

    Save up to $2,500 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 $2,500 off the cost of refinancing when you switch your home loan to us. See eligibility criteria below.

  2. 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. 3

    Support New Zealand with a Kiwibank Home Loan

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

How to switch your home loan

Ready to make the switch to Kiwibank?

We have home loans specialists and tools to help you through the process of switching your home loan to Kiwibank.

Talk to a specialist

Our home loan specialists can walk you through the process of buying a home and discuss what your options are.

Find a specialist

Try our calculators

Looking to fine tune the structure of your home loan or work out how much you could borrow? Use our calculators to compare options for your home loan.

Calculate now

Refinancing package eligibility criteria

  • If you qualify, there are no legal costs as our legal transfer service is free, saving you up to $1,500 in legal costs.
  • A registered valuation report may not be required (depending on the type of security), saving you up to $1,000.
  • Your home loan being refinanced to Kiwibank needs to be at least $50,000
  • Your current mortgage must be with another bank or financial institution and can't be a private mortgage or lending arrangement
  • There aren’t any guarantors on your home loan
  • You have at least 20% equity in the property being offered as security
  • The ownership of your property being offered as security isn’t changing, and your home loan is secured by a maximum of two securities (properties)
  • If you're using property that's not a residential freehold property as your security, we may need you to supply a registered valuation at your cost
  • The documentation must be signed by the property owner/s, and not a power of attorney or other form of delegated signing authority
  • The refinance can’t form part of a series of same day transactions
  • The Kiwibank refinance package can't be for business banking purposes.