COVID-19 updates
We’ve got a range of initiatives to support you or your business, if you’ve been financially impacted by COVID-19, We also have guides to help you bank from home. For all other updates, see our COVID-19 page.
All our branches have returned to normal trading hours. See our latest branch updates for more information.
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 house.
Changes to the Reserve Bank LVR restrictions
You can find out what these changes might mean for you on our understanding loan-to-value ratio page.
Calculators
Guides
Getting a deposit together
Saving a house deposit while renting and still trying to have a life is a big task. We’re here to help, so talk to our experts, use our calculators and see if you can tap into your KiwiSaver.
Saving a house deposit while renting and still trying to have a life is a big task. We’re here to help, so talk to our experts, use our calculators and see if you can tap into your KiwiSaver.
Getting the right home loan
Set your mortgage up in a way that works with your finances and your lifestyle.
Set your mortgage up in a way that works with your finances and your lifestyle.
Conditional approval
Conditional approval, sometimes called pre-approval, will give you an idea (but not a guarantee) of how much money you’ll be able to borrow.
Conditional approval, sometimes called pre-approval, will give you an idea (but not a guarantee) of how much money you’ll be able to borrow.
Jargon buster
Not sure what equity, LVR, RV or table loans are? Check out what these mean as well as some other common terms you may come across during your home buying journey.
Not sure what equity, LVR, RV or table loans are? Check out what these mean as well as some other common terms you may come across during your home buying journey.
Understanding loan-to-value ratio
LVR stands for loan-to-value ratio (LVR), which looks at how much you're lending relative to the value of your house.
LVR stands for loan-to-value ratio (LVR), which looks at how much you're lending relative to the value of your house.
Get mortgage free faster
If you want to shake off your mortgage shackles early, then you need to take a close look at your payments, how your home loan is structured and if you can afford to pay even a little bit more.
If you want to shake off your mortgage shackles early, then you need to take a close look at your payments, how your home loan is structured and if you can afford to pay even a little bit more.
Buying your next home
When you’re already on the property ladder, buying a new home means you also have to think about selling your current one. Do you sell your current home, or buy a new place first?
When you’re already on the property ladder, buying a new home means you also have to think about selling your current one. Do you sell your current home, or buy a new place first?
Borrowing to build
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.
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.
Buying an investment property
You could join the property investor ranks by tapping into the value of your family home if you’re already on the property ladder, or becoming a ‘rentvestor’ if you’re a first-time buyer.
You could join the property investor ranks by tapping into the value of your family home if you’re already on the property ladder, or becoming a ‘rentvestor’ if you’re a first-time buyer.
Kiwibank’s lending criteria, terms and conditions and fees apply.