Fixed rate

Lock in a rate (and your repayments) for a set period of time - from six months to five years.

Revolving credit

Think of it like a giant overdraft - pay it off or withdraw up to you limit anytime.

Variable rate

This rate changes as the market does, but you can make extra repayments any time you like. Also known as a floating rate.

Offset Mortgage

Link your savings and everyday account to your loan - the more you link, the less you pay in interest.

See all our home loan rates


Get $2,000 with your new home loan

Lending criteria, terms and conditions and fees apply. Minimum new lending $200,000. Your salary or wages must be credited to a Kiwibank account. To get $2000, you must apply for a new Kiwibank Home Loan or switch your existing Home Loan to Kiwibank between 22 January and 4 March 2018 and drawdown by 31 March 2018. If the home loan does not remain with Kiwibank for a minimum of 3 years a cash clawback may apply. Excludes business lending. Interest rates subject to change.

Kiwibank’s lending criteria, terms and conditions, and fees apply.