Whether you’re after flexibility to make extra payments or you’d rather have the certainty of locking down your rate and repayments, we’ve got options to suit. This is structuring your home loan to suit you.
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.
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Start your home buying journey
Whatever stage you're at, we have home loans specialists and tools to help you through the process.
Talk to a specialist
Our home loan specialists can walk you through the process of buying a home and discuss what your options are.
Find a specialistUse our calculators
Our first home buyer and repayment calculators can help you work out how to manage your home loan, pay your home loan off more quickly or get you into your new home.
Calculate nowStandard terms and conditions
Displayed interest rates are subject to change. Kiwibank’s lending criteria, terms and conditions, and fees apply.
The repayment calculator should be used as a guide only. It doesn't take into account all of your individual circumstances and isn't intended as financial advice.
Retail products aren't available to financial institutions or wholesale customers.