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.
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.
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.
When you switch your home loan to Kiwibank, you’re joining a million other Kiwi who are banking on New Zealand.
Our home loan specialists can walk you through the process of switching your home loan to Kiwibank and help you complete an application form. We’ll ask about your earnings, expenses, savings and how much you want to borrow.
We’ll review and discuss your home loan application with you, along with the loan structure options suitable to your needs.
At this point, we can check your eligibility for our refinancing package to help make the switch easier.
With our refinancing package, you’ll be using our legal transfer service instead of your own lawyer. This can make the process easier and save you money on legal fees.
Once we've finalised your home loan offer and you're happy to go ahead, the documents will be sent to:
As well as moving your home loan to Kiwibank, we can also help with switching all your accounts, moving your regular payments and arranging to close your accounts from your current bank.
Your current bank may charge fixed rate break costs or discharge fees.
If you don't use our refinancing package, you’ll also need to pay for your own legal fees.
Interest rates are subject to change.
We have home loans specialists and tools to help you through the process of switching your home loan to Kiwibank.
Our home loan specialists can walk you through the process of buying a home and discuss what your options are.
Find a specialistOur mortgage calculators can help you get an idea of how much you could borrow to get into your new home.
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Displayed interest rates are 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.