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 Kiwi who are banking on New Zealand.

Current rates & specials

Interest rates are subject to change.

How to switch your home loan


Canstar Bank of the Year Home Loans 2021

Bank of the Year - Home Loans

We've received Canstar's 2021 Bank of the Year - Home Loans Award.

Learn more

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

Use our calculators

Our mortgage calculators can help you get an idea of how much you could borrow to get into your new home.

Calculate now

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.