Guides & calculators

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

Once you have a home loan

Handy house-buying terms

  1. 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.

  2. 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.

  3. 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.

Apply for a home loan

Before applying, you may want to talk through your options with one of our home loan experts.

Talk to an expert

Our Mobile Mortgage Managers can come to you or our Banking Consultants are available in selected branches for appointments.

Find an expert

Ready to apply?

Our online application form takes around 25 minutes to complete. We'll ask about your earnings, expenditures, savings and how much you'd like to borrow.

Apply online

Already a Kiwibank customer?

Log in to Internet Banking and go to Apply & Open to get started.

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