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 Kiwibank Home Loan.

Benefits at a glance

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

  • If you use a top-up to install a sustainable energy system, like solar panels to heat your hot water, you may be eligible for a cash contribution from us to help you pay it off faster.

  • You may be able to use a home loan top-up to pay off existing debts.

How it works

If you have an existing home loan with us, you might be able to top it up.

The amount you could borrow will depend on how much of your home loan you’ve already paid off, the current value of your home, how much you can afford in repayments and what the top-up is for. A home loan top-up fee applies.

There are a whole range of things you can use a top-up for, including:


If you want the money for a renovation that requires a building consent, we’ll need to see the consent before we can approve the top-up. 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.

Sustainable energy loans

We’ll waive the top-up fee if your top-up is to pay for installing an eligible sustainable energy system, like solar panels or a wind turbine. You may also be eligible for a $2,000 contribution from us (over four years) towards the cost. Find out more.

Work it out

Use our mortgage calculators to work out how much longer it might take to pay off your home loan or what your repayments might be if you decide on a top-up.

Think about the structure

Have a think about how long a term you set it up for. Paying off a kitchen reno over 25 years, means you’ll end up paying a lot more in interest than if you aim to pay if off five or even 10 years. Find out more about structuring your home loan.

Top up your existing Kiwibank Home Loan

We have home loans specialists to help you through the process of topping up your existing home loan with Kiwibank.

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 specialist

Our home loan specialists can walk you through the process of applying for a home loan top-up and discuss what your options are.

Find a specialist

Call us

Give our home loans team a call between Monday - Friday, 8am - 6pm.

Phone 0800 000 654