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Our tips, guides and mortgage calculators can help you work out how to manage your home loan, pay your home off more quickly or get into your next home.
Home loan calculators
Repayment calculator
Work out your regular repayments and how quickly you could pay off your home loan.
Work out your regular repayments and how quickly you could pay off your home loan.
Borrowing calculator
Get an idea of how much you could borrow to buy a home by telling us your income and deposit.
Get an idea of how much you could borrow to buy a home by telling us your income and deposit.
How much could you spend on a house?
See what type of house you could buy based on the weekly repayments you could afford.
See what type of house you could buy based on the weekly repayments you could afford.
Get a $3,000 cash contribution with a new home loan
Keep your home loan homegrown whether you're a first home buyer, looking for your next home or ready to switch, and you'll get $3,000.
Minimum new lending $300k. Minimum 20% equity. Offer available 26 Oct - 14 Nov 2021. Conditional on your banking relationship with us not significantly changing over the next four years. See T&Cs for details.
Bank of the Year - Home Loans
We've received Canstar's 2021 Bank of the Year - Home Loans Award.
Once you have a home loan
Handy house-buying terms
Loan-to-value ratio (LVR)
LVR looks at the amount you'd like to borrow as a percentage of the property’s market value.
There have been changes to the Reserve Bank LVR restrictions. Find out what these LVR changes might mean for you.
Equity
Take away the amount still owing on your home loan and any other debts you may have secured against it from the property’s current market value. This is your equity.
When you buy your first home, to begin with, your equity will likely be your deposit.
Deposit
When you apply for a home loan, you’ll generally need a deposit of 20% of the value of the property you want to buy. This will go towards your home loan and can also be used to pay a sales deposit on the property you want to buy.
Start your home buying journey
Whatever stage you're at, we have home loans specialists and tools to help you through the process.
Standard terms and conditions
Displayed interest rates are subject to change. Kiwibank’s lending criteria, terms and conditions, and fees apply.