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Whether you’re after a bit of flexibility to make extra payments, or you’d rather have the certainty of locking down your rate and repayments, we’ve got fixed or floating home loans to suit.
Get the right home loan for you
Interest rates are subject to change.
Guide to home loan options
Fixed, floating, revolving and offset got you confused? We explain the differences and the benefits of the various home loan types we offer in handy videos so you can work out the best structure for you.
The basics of home loans
Before you learn about the different home loan options available, it’s important to understand the basics.
Fixed rate home loan
A fixed rate home loan gives you the benefit of certainty by locking in your interest rate for a specific period of time. Your interest rate will depend on how long you can choose to “fix” the loan for.
Offset home loan
Offset home loans take into account the total balance you have in your linked Kiwibank savings and everyday accounts, before calculating how much interest to charge on your home loan, saving you money on repayments.
Variable rate home loan
A variable rate home loan offers lots of flexibility. The interest rate and the payments you make can change over the term of your loan.
Revolving credit home loan
A revolving credit home loan is the ultimate in flexibility. It works a lot like an overdraft, but on a much larger scale. You have a credit limit which you can draw up to at any time.
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Tools to get you there
Talk to an expert - we're here to help
If you want to chat about your home loan options, get in touch with one of our home loan experts. Our Mobile Mortgage Managers can meet you wherever suits you, or if you’d prefer to come into a branch you can make an appointment with one of our Banking Consultants.
Our home loan team is also available by calling 0800 000 654 between 8am and 6pm, Monday to Friday.
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 are not financial advice.
Displayed interest rates subject to change. Kiwibank’s lending criteria, terms and conditions and fees apply.