Sometimes you just want a bit of certainty in life. That’s what you get with a fixed rate home loan – the confidence of knowing exactly what your interest rates will be and how much your regular repayments during your fixed term will be.

Benefits at a glance

Interest rates are subject to change.

  • Your interest rate will stay the same during the term that you choose.

  • If interest rates rise during the term of your fixed loan, you won’t be affected. However, if it falls, you won’t be able to take advantage of lower rates.

  • Budget with certainty, as you’ll know what your repayments will be.

  • Some flexibility – you can make extra payments each year that's up to a total of 5% of what your loan amount is when the term of your fixed loan starts.

How it works

Apply for a home loan

Before completing an application, 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

New to Kiwibank?

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

Get the right home loan for you