Talk to a home loan expert

We want to make your home buying process as easy as possible, whatever stage you’re at. We can come to you, or you can visit a home loan expert at selected branches.

Changes to the Reserve Bank LVR restrictions

There have been changes to the Reserve Bank loan-to-value ratio (LVR) restrictions. If you’re buying an investment property, you’ll now require a 30% deposit while we transition to meet the Reserve Bank LVR restrictions.

Already a Kiwibank Home Loan customer?

You can talk to our team about:

  • Restructuring or refixing your home loan
  • A top up
  • Changing your repayments.

Our home loan team is available Monday to Friday between 8am and 6pm on 0800 000 654. You can also secure message our team via internet banking or the mobile app.

We're currently experiencing high volumes of requests for home loan restructures. Please allow additional time for these requests to be processed.

Talk to a home loan expert

Find an expert below, or if you’d rather have someone contact you, fill in your details. We’ll aim to be in touch within three business days. During periods of very high demand, this may take up to 10 business days.