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.

More about Personal loans

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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.

Tertiary and Graduate Overdraft

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Investments

Online Call

Online Call rewards you with bonus interest each calendar month when you:

  • make no withdrawals or transfers; and
  • have a minimum balance of $2,000 in your account at any time.

Balance

Base rate

Bonus rate

Total rate

More about Online Call

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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

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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

Now
 

Current rate p.a.

More about Now

Open now
Fast Forward Saver

Fast Forward Saver rewards you with bonus interest each calendar month when you:

  • make no withdrawals or transfers; and
  • deposit at least $20, on or before the last business day of the month. Just be aware, any interest earnt doesn't count as a deposit.

Balance

Base rate

Bonus rate

Total rate

More about Fast Forward Saver

Open now

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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