If you like a bit of flexibility in life, then a variable home loan could be for you.

Benefits at a glance

Interest rates are subject to change.

  • 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

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