Home loans designed around you
Whether you’re a first home buyer, property investor, need more space, or on the move, we’ll help custom build a home loan to suit your needs.
Changes to our home loan rates
For all new lending entered into from 23 October 2018, we have two different interest rate types. Either a Residential Owner Occupied rate^ or a Residential Investor rate^ will apply depending on how your lending is secured.
For all home loans entered into before 23 October 2018, see applicable rates here.
Choose your home loan rate
See our rates for residential property investors
If you’re investing in a residential property, then our Residential Investor rates may apply to you.
Custom built home loans
Whatever stage you’re at, we can design a home loan to suit.
Home loan calculators
How much you could borrow
Work out how much you might be able to borrow based on the size of your deposit, your current income and expenses.
Work out your repayments
Finding out what your mortgage repayments might be can help when budgeting for and choosing a home.
Pay it off faster
Work out how much you might be able to save on interest, and off the overall length of your loan with a TotalMoney home loan.
Be ready to move with conditional approval
Apply for conditional home loan approval (sometimes referred to as a pre-approval) so you can make an offer when you find a home.
Free and no obligation
Applying for a conditional home loan approval is free and comes with no obligation.
We’ll contact you about your application within two business days.
Valid for 60 or 90 days
Certificates are valid for 60 days if your loan to value ratio (LVR) is over 80%, or 90 days if your LVR is less than 80%.
You can get conditional approvals up to a certain amount.
Manage your home loan repayments online
You can now make changes to your home loan payments on most home loan types in Internet Banking – or find out how a small increase to your payments could make a big saving to the length of your loan, and the amount of interest you pay^.
Home loans help and support
If you need some help call 0800 275 269
- Loan to Value ratio (LVR)
- Guide to buying a home
- Types of home loans
- Fixed and floating rates explained
- Understanding Residential Owner Occupied and Investor rates
- Payment options to manage interest costs
- Buying a home with KiwiSaver
- Financial hardship
- Rates and fees for home loans that are not on sale