The most flexible of our home loans – a revolving credit home loan is like a big overdraft. You need to be disciplined, as there are no set repayments and you can withdraw or deposit money up to your credit limit whenever you like.

Benefits at a glance

Interest rates are subject to change.

  • Useful if you have irregular income, as there are no fixed repayment periods.

  • You'll pay a variable interest rate – if interest rates go down, you pay less.

  • Draw down, repay and redraw money within your credit limit as often as you need to.

  • Save on interest by putting your pay into this account.

  • You might save on interest if you’re building or renovating over a longer period of time, as you can draw on money as you need it, instead of topping up your loan in one chunk.

  • It could be suitable for you if you’re good at budgeting and you’re not likely to be tempted to keep maxing out your available credit.

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.

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