Managing your home loan
Life doesn’t stop when you get a home loan – you might partner up (or go your separate ways), have kids, change jobs or decide to renovate. This is making sure that as your life changes, so does your home loan.
Ways you can manage your home loan
When your fixed term is up
See what happens when your fixed term is coming to an end and what your options are.
See what happens when your fixed term is coming to an end and what your options are.
Need a home loan top-up?
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.
Make changes to your home loan
Review your home loan to make sure you've got the structure that best suits you.
Review your home loan to make sure you've got the structure that best suits you.
Apply for COVID-19 support
If you need temporary relief from your home loan commitments, we may be able to help.
If you need temporary relief from your home loan commitments, we may be able to help.
Having trouble making repayments?
If you’re going through a financial rough patch, talk to us about how we might be able to help.
If you’re going through a financial rough patch, talk to us about how we might be able to help.
Get home loan 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.
Calculate your repayments
It's always good to review your home loan repayments. Have a go on our repayment calculator to see how quickly you could pay off your home loan or how much you could save by increasing your repayments.
Protecting your home
House Insurance
You’ve worked hard to get your house, so get insurance to make sure it's covered if something goes wrong.
You’ve worked hard to get your house, so get insurance to make sure it's covered if something goes wrong.
Life & Living Insurance
Have peace of mind that your loved ones will have some support to keep meeting your responsibilites and living comfortably if you lose your income or pass away.
Have peace of mind that your loved ones will have some support to keep meeting your responsibilites and living comfortably if you lose your income or pass away.
Contents Insurance
Contents insurance takes the sting out of replacing your things if they get stolen or accidentally damaged.
Contents insurance takes the sting out of replacing your things if they get stolen or accidentally damaged.
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 specialistUse our calculators
Our first home buyer and repayment calculator can help you work out how to manage your home loan, pay your home loan off more quickly or get you into your new home.
Calculate nowStandard terms and conditions
Displayed interest rates are subject to change. Kiwibank’s lending criteria, terms and conditions, and fees apply.
The repayment calculator should be used as a guide only. It doesn't take into account all of your individual circumstances and isn't intended as financial advice.