• Use it to pay for a renovation or big purchase instead of using higher interest credit cards or personal loans.

  • Install a sustainable energy system, like solar panels to heat your hot water — we’ll even kick in some cash to help you pay it off faster.

  • You can use a home loan top-up to pay off existing debts.

How it works

The amount you can borrow depends on:

  • how much of your home loan you’ve already paid off
  • the repayments you can afford
  • what the top-up is for.

You add a top-up to your existing loan — but you can structure it differently and pay it off faster to reduce how much interest you pay. A home loan top up fee applies.

Fix or float, try to pay off the extra debt as quickly as you can by setting up your top-up with a shorter term — otherwise that overseas holiday or new kitchen could cost you thousands extra in interest over the life of your home loan.


If you’re topping up for a renovation that requires a building consent, we’ll need to see the consent first. Talk to us for a conditional approval, so you can line up your tradies while we do the paperwork.

Debt consolidation

If you’ve got a few existing debts with high interest rates it may be worth topping up your home loan to pay them off. This can reduce your regular outgoings, and it might be easier to budget with only one loan to think about.

Low equity

Standard interest rates may apply when the amount of your home loan is 80% or more of the value of your property. Talk to our home loan team for more information.

Sustainable energy loans

We’ll waive the top-up fee if your top-up is to pay for installing a sustainable energy system, like solar panels or a wind turbine. We’ll also kick in $2,000 (over four years) towards the cost.

More about our sustainable energy loans

Apply now

Give our home loans team a call on 0800 000 654, or download an application form (PDF 145.9 KB).

You’ll need to let us know:

  • the amount you want to borrow
  • what it’s for
  • if there have been any changes to your financial situation since we set up your home loan — e.g. you’ve had a baby or you’re making more money.

If you’ve got a joint home loan with another person, we’ll need to confirm the top-up with them too.

Talk to a home loan expert - we're here to help

At any stage of your home buying journey, our home loan experts are available to give you obligation-free advice and guide you through the process right to the end.

Our Mobile Mortgage Managers can come to your choice of location and our Banking Consultants are available at your local Kiwibank branch. Our home loan team is also available by calling 0800 000 654 between 8am and 6pm, Monday to Friday.