Structuring your home loan

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.

Tools to get you there

Apply for a home loan

Before applying, you may want to talk through your options with one of our home loan experts.

Talk to an expert

Our Mobile Mortgage Managers can come to you or our Banking Consultants are available in selected branches for appointments.

Find an expert

Ready to apply?

Our online application form takes around 25 minutes to complete. We'll ask about your earnings, expenditures, savings and how much you'd like to borrow.

Apply online

Already a Kiwibank customer?

Log in to Internet Banking and go to Apply & Open to get started.

Log in to Internet Banking