Getting started
Start your home loan journey
Getting into the property market can be both exciting and overwhelming. There’s a lot to think about so we’ve created a handy step-by-step guide to help you on your home loan journey.
First home buyer calculator
Use our first home buyer calculator to work out how much you may be able to borrow and compare different repayment scenarios.
Saving a deposit
Saving a deposit while renting and still trying to have a life can be a bit of a juggle. We’re here to help, with savings accounts, specialists, calculators and guides.
Deposit options
Using your KiwiSaver
If you’ve been in KiwiSaver for at least three years and you meet the eligibility requirements, you may be able to make a first home withdrawal to go towards buying your first home.
Co-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.
Low deposit help
If you don't yet have a 20% deposit, there are options that could get you into your first home with a smaller deposit if you meet their eligibility requirements, such as A First Home Loan or The Kāinga Whenua loan scheme.
Tools to get you started
Understanding your home loan structuring options
We explain the differences between fixed, floating, revolving and offset loans, alongside the benefits of each and how they can also work together to help you figure out how to structure your home loan.
Kiwibank's guide to home loans
Before you learn about the different home loan options available, it’s important to understand the basics.
How do revolving home loans work?
A revolving home loan is the ultimate in flexibility. It works like an overdraft, but on a much larger scale. You have a credit limit which you can draw up to at any time. Managed carefully, it can be a great way to have funds available if and when you need them.
Offset home loan
Offset home loans take into account the total balance you have in your linked Kiwibank savings and everyday accounts, before calculating how much interest to charge on your home loan, saving you money on repayments.
Fixed rate home loan
A fixed rate home loan gives you the benefit of certainty by locking in your interest rate for a specific period of time. Your interest rate will depend on how long you can choose to “fix” the loan for.
Variable rate home loan
A variable rate home loan offers lots of flexibility. The interest rate and the payments you make can change over the term of your loan.
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Get inspired with our new TV series
On the Ladder with Kiwibank is our exciting new TV series hosted by Brodie Kane. It showcases the unconventional pathways Kiwi are exploring to get into home ownership – and how we're helping them on their journey.
Let's get you into your first home
Our home loan specialists and tools can help you through the journey of buying your first home.
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 specialistFirst home buyer calculator
Our first home buyer calculator allows you to work out how much you may be able to borrow and compare different repayment scenarios.
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.