What you’ll get with us

No legal or application fees

With our refinancing package you won't need to pay any legal fees and there's no application fee. In most cases a registered valuation won't be required either.

Read more about our refinancing package below

Competitive interest rates

We've got a wide selection of home loan interest rates to work with how you'd like to structure your home loan.

See all our home loan interest rates

Home loan experts

Our Mobile Mortgage Managers can come and meet you at a location of your choice and our Banking Consultants are available to talk to at your local Kiwibank branch.

Find your nearest home loan expert

We’ll do it all for you

We’ll manage switching all your accounts and regular payments from your current bank to us. We can also assist with closing your old accounts.

Read more about our refinancing package below

Use our home loan calculators

Use our home loan refinancing calculator to compare different scenarios and to work out what your regular repayments would be and how quickly you could pay off your home loan.

Our refinancing package

Switching your home loan to Kiwibank includes:

  • No legal fees because our legal transfer service is free. Using your own lawyer could cost up to $1,000.
  • No application fee, saving you up to $400 when compared to other banks.
  • No registered valuation required in many cases. This could save you up to $600 on our usual process.
  • Switching all your accounts and moving your regular payments from your current bank — and we can arrange to close your old accounts for you, when we’re done.

Please note that your existing lender may charge break costs or discharge fees which aren't covered as part of the refinancing package.

Refinancing package criteria:
  • Your home loan needs to be at least $50,000
  • The ownership of the property isn’t changing and your home loan is secured by a maximum of two securities
  • There aren't any guarantors on your home loan
  • The documentation must be signed by the property’s owner (not a power of attorney)
  • You can’t finalise the sale or purchase of the property on the same day as refinancing.

The refinancing package isn't available for business banking purposes.

If you don't meet the above criteria, you may still be able to use our refinancing package to refinance to Kiwibank, however you'll need to pay a refinancing package fee.

If you want to refinance to Kiwibank without choosing to use our Refinancing Package, you'll need to use your own solicitor. Your solicitor’s fees won't be covered by Kiwibank.

Ready to make the move?

  • Complete our online application form, it takes around 25 minutes, and you can save and come back to it if you need to. We’ll ask you about your earnings, expenditures, savings and how much you’d like to borrow.

  • If your application is successful, you’ll be conditionally approved. This means that we’ve agreed to loan you a certain amount of money based on the information you’ve provided us. At this point you’re not committed to anything, and our offer lasts three months as long as you continue to meet the criteria.

  • We’ll finalise the loan offer and you’ll sign on the dotted line.

  • We’ll switch over your accounts and payments, and arrange closure of your accounts at your old bank.

  • Boom. You’re one of us!

Start the application process

Already a Kiwibank customer?

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Not a Kiwibank customer?

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Want to discuss your options?

If you'd like to discuss your options before applying you can find a home loan expert near you, or give us a call on 0800 000 654 between 8am and 6pm, Monday to Friday.