We’ve got through lockdown, now it’s time to support New Zealand’s economic recovery. We’ve reset our variable home loan rates, dropping them by 1% p.a. and taking them below 4% p.a., saving Kiwis $20m in interest over the next year.
Thanks for backing and banking local. With the money you'll save on interest, you can choose to pay back your loan faster, save it or put it to use in other ways like buying local and supporting your fellow Kiwis.
Pay off your home loan faster - no action required for this option.
This will help pay off your home loan even faster.
You can choose to lower your repayments down to the minimum amount required.
There's no better time to join New Zealand's bank with low home loan rates across both fixed and variable home loans. Our home loan experts are on hand to talk you through the home buying process. They can meet you at your home or a local café, or are available at a Kiwibank branch.
To apply for a Kiwibank Home Loan, you'll need to talk to one of our home loan experts. One of our Mobile Mortgage Managers can come to you or our Banking Consultants are available in selected branches.
Standard terms and conditions
The calculators should be treated as a guide only. They don't take into account all of your individual circumstances and aren't financial advice.
Displayed interest rates subject to change. Kiwibank’s lending criteria, terms and conditions and fees apply.