Get the right home loan for you
Interest rates are subject to change.
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.
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.
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.
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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Tools, tips & guides
Jargon Buster — learn the home loan lingo
Get inspired with our On the Ladder TV series
First home buyer calculator
Next home calculator
Property investment calculator
Borrow more calculator
Get home loan free faster
How to navigate decreasing interest rates
Debt-to-income ratio
Loan-to-value ratios
Start your home buying journey
Whatever stage you're at, we have home loan specialists and tools to help you through the process.
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Our home loan specialists can walk you through the process of buying a home and discuss what your options are.
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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.
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Displayed interest rates are subject to change. Kiwibank’s lending criteria, terms and conditions, and fees apply.
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