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


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