An offset mortgage can reduce the amount of interest you pay on your home loan by using money in your everyday and savings account to ‘offset’ your home loan interest – helping you to pay off your home loan faster.

Benefits at a glance

Interest rates are subject to change.

  • Link your everyday and savings accounts to reduce the amount of interest you pay on your offset mortgage.

  • You'll pay a variable interest rate – it can change as the market does.

  • Flexibility to make extra payments whenever you like.

  • You can increase your regular repayments without paying a penalty.

How it works

Start your home buying journey

You can talk through your options with our home loan experts or complete our application form if you're ready to apply for a home loan.

Talk to an expert

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

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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.

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Already a Kiwibank customer?

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

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