Structuring your home loan
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.
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, tips & guides
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Whatever stage you're at, we have home loans specialists and tools to help you through the process.
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Our home loan specialists can walk you through the process of buying a home and discuss what your options are.
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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.
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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.
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