Upcoming & recent changes
Home loans, business loans & savings variable rate change — 7 September 2026
We’re making rate changes to our variable home loans and savings accounts across personal and business accounts. We're also changing our standard business and housing backed loans.
These rate changes impact Variable, Offset and Revolving home loans, Variable, Overdraft and Revolving business loans, and our Notice Saver, Online Call, PIE Online Call and Business Online Call accounts.
Variable, Offset & Revolving home loans
We're increasing our rates on the following home loans from:
- Monday 7 September 2026 for new loans
- Monday 21 September 2026 for existing loans.
| Empty header |
Previous rate |
New rate |
|
Variable home loan |
6.00% p.a.* |
6.25% p.a.* |
|
Offset home loan |
6.00% p.a.* |
6.25% p.a.* |
|
Revolving home loan |
6.05% p.a.* |
6.30% p.a.* |
* Applicable for both special and standard interest rates.
Business Variable, Overdraft & Revolving loans
We're increasing our rates for new and existing standard business and housing backed loans. These will increase by 0.25% p.a.
- Monday 7 September 2026 for new loans
- Monday 21 September 2026 for existing loans.
We're increasing our Asset Finance Variable rates by 0.25% on:
- Monday 7 September 2026 for new loans
- Monday 21 September 2026 for existing loans (effective from the next repayment date).
If these changes affect you, we'll contact you prior to the interest rate changing in accordance with your loan agreement.
Notice Saver, Online Call, PIE Online Call & Business Online call accounts
We're increasing our rates from Monday 7 September 2026 on the following accounts.
Notice Saver
| Empty header |
Previous rate |
New rate |
|
90 Day Notice Saver |
2.60% p.a. |
2.75% p.a. |
|
32 Day Notice Saver |
2.05% p.a. |
2.20% p.a. |
Online Call, PIE Online Call & Business Online Call
| Empty header |
Previous rate |
New rate |
|
Online Call |
1.75% p.a. |
1.90% p.a. |
|
PIE Online Call |
1.75% p.a. |
1.90% p.a. |
|
Business Online Call |
1.85% p.a. |
2.00% p.a. |
Displayed interest rates are subject to change.
Kiwibank PIE Online Call Fund and Kiwibank Notice Saver are funds within a Portfolio Investment Entity (PIE). Units in Kiwibank PIE Online Call Fund and Kiwibank Notice Saver are distributed by Kiwibank Limited and are issued by Kiwibank Investment Management Limited.
For a full list of our current interest rates, please visit our rates and fees page.
Date effective: 7 September 2026
Date published: 4 September 2026
Previous public notices
For previous public notices, see our archived public notices.