Loans

Home loans

Headline rate:

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Current rates p.a.

+

*

*

*

* Minimum 20% equity. The standard 1 year rate is , the standard 2 year rate is , the standard 3 year rate is (Specials are also available for Welcome Home Loan customers).

+ For all Bridging loans, the interest rate will be 1% above Kiwibank's variable interest rate.

A default interest rate, which is your current interest rate plus 5% p.a. may be charged on each amount that is either overdue or over the limit of your home loan component or portion.

More about Home loans

Personal loans
 

Current rates p.a.*

* Interest rate available for new lending on personal loan applications drawn down from 1 Sep 2015, subject to lending and credit criteria. Where new lending is consolidated with an existing Kiwibank or Latitude provided personal loan, a blended interest rate will apply. The interest rate and repayment amount will remain the same for the term of the loan.

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Car loans
 

Current rates p.a.

From to *

* The interest rate will vary depending on a number of factors including amount borrowed, term, your credit rating and security offered. The interest rate and repayment amount will remain the same for the term of the loan.

More about Car loans

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Overdrafts
 

Current rates p.a.

More about Overdrafts

Investments

Notice Saver
 

Current rates p.a.

Current rates p.a.

Notice period

$0 - $1,999

$2,000+

32 days

90 days

There are no account fees. An immediate withdrawal will incur an Immediate Withdrawal Charge. The amount of the Charge varies depending on the length of the notice period, the current rate of return, and the amount you wish to withdraw.

Not available to financial institutions. Limits apply for Business customers.

More about Notice Saver

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Term Deposit

Special:

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Interest paid at maturity

Term

$1,000+

$5,000+

$10,000+

$50,000+

N/A

N/A

Interim interest options

Term

$1,000+

$5,000+

$10,000+

$50,000+

More about Term Deposits

Access Term Deposit

Interest paid at maturity

Term

$1,000+

$5,000+

$10,000+

$50,000+

Interim interest options

No account management or transaction fees. Early termination fees may apply if you break more than 20% of your initial deposit. The amount of the fee varies depending on the current interest rates and term length.

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PIE Online Call*
 

Current rate

Effective rate

Bonus return - earned if no withdrawals are made during the month (Class A)

if you pay tax at the top marginal rate

Base return - earned if a withdrawal is made during the month (Class B)

if you pay tax at the top marginal rate

* Minimum balance $2,000

The effective rate takes into account the potential tax rate savings relative to interest earned on a direct investment that would otherwise be assessed at the top marginal tax rate (which is higher than the maximum tax rate on PIE returns). The effective rate may vary depending on the investor's personal taxation position.

More about PIE Funds

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PIE Term Deposit
 

Current rate

Effective rate

if you pay tax at the top marginal rate

if you pay tax at the top marginal rate

if you pay tax at the top marginal rate

if you pay tax at the top marginal rate

if you pay tax at the top marginal rate

if you pay tax at the top marginal rate

if you pay tax at the top marginal rate

if you pay tax at the top marginal rate

The effective rate takes into account the potential tax rate savings relative to interest earned on a direct investment that would otherwise be assessed at the top marginal tax rate (which is higher than the maximum tax rate on PIE returns). The effective rate may vary depending on the investor's personal taxation position.

  • Current rates are earned if the minimum deposit is $10,000
  • Maximum deposit $5,000,000 per customer
  • Rates not available to financial institutions

More about PIE Funds

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Everyday banking

Credit cards

Low Rate Mastercard
 

Current rates p.a.

Purchase Interest rate

Cash advance interest rate

More about Low Rate Mastercard

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Mastercard Zero
 

Current rates p.a.

Purchase Interest rate

Cash advance Interest rate

More about Mastercard Zero

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Mastercard Gold
 

Current rates p.a.

Purchase Interest rate

Cash advance Interest rate

More about Mastercard Gold

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Foreign Currency Accounts

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