Give your home loan a tune-up
Find out how to shave years off your home loan, how to borrow some extra money to give your home a spruce up, or talk to us about re-fixing.
Is your fixed rate coming to an end?
If you want to re-fix, you can lock in any current fixed interest rate up to 60 days before your loan rolls off its term^. It might also be a good time to review the structure of your loan/s to make sure you’re getting maximum benefit from current interest rates.
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^.
Top up or pay down your loan
Borrow a little bit extra
You can fund renovations, like building a deck or upgrading your bathroom, by topping up your home loan. You can do this by taking out an additional loan, or applying to redraw extra home loan repayments you’ve made.
Pay off your home loan faster
Pay off your loan faster and pay less interest overall by making lump-sum repayments, increasing your regular repayments or taking out a TotalMoney^ or Tailored^ home loan. You can make extra or lump sum repayments if you’re on a floating rate, and if you’re on a fixed rate, you may also be able to make some additional repayments per year^.
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 Residential Investor rates
- Payment options to manage interest costs
- Buying a home with KiwiSaver
- Financial hardships
- Rates and fees for home loans that are not on sale