Structuring your home loan

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One of our Mobile Mortgage Managers can come to you, or our Banking Consultants are available in selected branches.

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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

Fixed rate

  • Lock in an interest rate from six months to five years
  • Budget with certainty
  • If interest rates rise during the term of your fixed loan, you won't be affected.
Find out more Talk to an expert

Variable rate

  • Flexibility to make extra payments whenever you like
  • You can increase your regular repayments
  • If rates fall, you'll pay less interest.
Find out more Talk to an expert

Offset mortgage

  • Use money in your everyday and savings account to 'offset' your home loan interest charges
  • Variable interest rate allows you to make extra repayments whenever you like.
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Revolving credit

  • Our most flexible home loan, with no fixed repayment periods
  • It works like a big overdraft
  • Useful if you have irregular income or are building or renovating.
Find out more Talk to an expert

Interest rates are subject to change.

Tools to get you there

Repayment calculator

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Borrowing calculator

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How much can you spend on a house?

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What type of Home Loaner are you?

Here's a video to help you understand the different types of home loans, and decide which one is right for you.

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.