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.
Work out your regular repayments and how quickly you could pay off your home loan.
Get an idea of how much you could borrow to buy a home by telling us your income and deposit.
See what type of house you could buy based on the weekly repayments you could afford.
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.
See what happens when your fixed term is coming to an end and what your options are.
See how a few tweaks to your repayments or structure could see you pay off your home loan faster.
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.
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.
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.
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.
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.
Before applying, you may want to talk through your options with one of our home loan experts.
Our Mobile Mortgage Managers can come to you or our Banking Consultants are available in selected branches for appointments.
Find an expertOur 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 onlineLog in to Internet Banking and go to Apply & Open to get started.
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Kiwibank’s lending criteria, terms and conditions and fees apply.