Home loan calculators
Repayments & structuring calculator
Explore different term options: compare the loan structures, interest rates and repayment amounts in different scenarios.
First home buyer calculator
Work out how much you might be able to borrow as a first time buyer and compare different repayment scenarios.
Next home calculator
Work out how much you might be able to borrow for your next home and compare different interest rates and repayment scenarios. See whether you could afford to keep your current home and buy another.
Property investment calculator
Work out how much you might be able to borrow to purchase an investment property and compare different interest rates and repayment scenarios.
Borrow more calculator
Work out whether you can borrow more by topping up your existing loan(s). Compare different interest rates and repayment scenarios for the additional loan.
Help with home loans
Explore our Help hub for how-to guides and step-by-step instructions on cards. Find out how to re-fix your home loan, lump sum payment and more.
Getting a home loan
Co-own, a different way to own
With Co-own you may be able to turn the dream of owning a home into reality by teaming up with friends or whānau! Buying a property together could be a way to get on the property ladder sooner.
First home buyers
Make home a place you own with our low interest rates, home loan specialists, tools and guides to help you through the maze of your first home buying journey.
Switch your home loan
Looking for a new home for your home loan? Our competitive interest rates, refinancing package and structure tailored to suit your circumstances are great places to start.
Start your home buying journey
Whatever stage you're at, we have home loan specialists and tools to help you through the process.
Talk to a specialist
Our home loan specialists can walk you through the process of buying a home and discuss what your options are.
Find a specialistTry our calculators
Looking to fine tune the structure of your home loan or work out how much you might be able could borrow? Use our calculators to compare your options.
Calculate nowGet first home buyer tips in your inbox
Be at the top of your home buying journey with tips, offers, support and helpful information from our experts delivered straight to your email inbox.
Sign up for the newsletterHome loan standard terms and conditions
Displayed interest rates are subject to change. Kiwibank’s lending criteria, terms and conditions, and fees apply.
Co-own: Maximum four people per application. Offset home loan may not be available. Excludes business banking.