Home loan calculators
Repayments & structuring calculator
Use our repayments and structuring calculator to compare different term loan structures, interest rates and repayment amounts.
First home buyer calculator
Use our first home buyer calculator to work out how much you may be able to borrow and compare different repayment scenarios.
Next home calculator
Use this calculator to work out how much you may be able to borrow, whether you could afford to keep your current home and buy another, and compare different interest rates and repayment scenarios.
Property investment calculator
Use this calculator to work out how much you may be able to borrow to purchase an investment property, compare different interest rates and repayment scenarios.
Borrow more calculator
Use this calculator to work out whether you can borrow more by topping up your existing loan(s), compare different interest rates and repayment scenarios for the additional loan.
Dealing with economic uncertainty
Why interest rates change
Interest rates are always subject to change, which means they can go up or down. To answer some questions about why mortgage rates can increase, we sat down with our Chief Economist Jarrod Kerr.
How to prepare for increasing interest rates
Interest rates are on the rise and the cost of living continues to increase. We want to help you understand what that means for your home loan.
What is negative equity?
We sat down with our Product Manager for Home Loans, Darren Corfield to gain some insight into negative equity and what this may mean for you.
Inflation explained
Inflation and the cost-of-living crisis have been buzzwords for some time. To dig deeper into what inflation means for Kiwi, we sat down with our economist Mary Jo Vergara.
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.
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.
Get mortgage free 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.
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.
Borrowing to build or renovate
Whether you’ve got grand designs or you’re dreaming of a starter home, we can construct a home loan to suit your building or renovation project.
Repayments & structuring calculator
Use our repayments and structuring calculator to compare different term loan structures, interest rates and repayment amounts.
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 moreHome loan standard terms and conditions
Displayed interest rates are subject to change. Kiwibank’s lending criteria, terms and conditions, and fees apply.
Co-own: Maximum four people per application. Offset home loan may not be available. Excludes business banking.