Guides & calculators
Our tips, guides and calculators can help you work out how to manage your home loan, pay your home loan off more quickly or get you into your next home. This is helping you on your home loan journey.
Co-own, a different way to own
With Co-own you may be able to turn the dream of owning a home into reality by teaming up with friends or whānau! Buying a property together is a way to get on the property ladder sooner.
Once you have a home loan
Top up your home loan
Want to spruce up your kitchen or go green with solar panels? You might be able to pay for it by topping up your existing home loan.
Want to spruce up your kitchen or go green with solar panels? You might be able to pay for it by topping up your existing home loan.
When your fixed term is up
See what options are available, or what you need to do, when your fixed term is coming to an end.
See what options are available, or what you need to do, when your fixed term is coming to an end.
Get mortgage free faster
See how a few tweaks to your repayments or structure could see you pay off your home loan faster.
See how a few tweaks to your repayments or structure could see you pay off your home loan faster.
Manage your home loan
Life doesn’t stop when you get a home loan – you might have kids, change jobs or decide to renovate. Make sure that as your life changes, your home loan is still a good fit.
Life doesn’t stop when you get a home loan – you might have kids, change jobs or decide to renovate. Make sure that as your life changes, your home loan is still a good fit.
Moving into your home
Once you’ve found your new home, it’s time to dot the i’s and cross the t’s on your paperwork so you’re ready for settlement and moving in.
Once you’ve found your new home, it’s time to dot the i’s and cross the t’s on your paperwork so you’re ready for settlement and moving in.
Handy house-buying terms
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1Tahi
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.
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2Rua
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.
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3Toru
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.
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 specialistHow to apply
Have a look at how the home loan application process will go and what you'll need before you apply.
Find out moreStandard terms and conditions
Displayed interest rates are subject to change. Kiwibank’s lending criteria, terms and conditions, and fees apply.
Co-own: Maximum two couples per application. Offset home loan may not be available. Excludes business banking.