Rating based on 38 reviews

Kiwi Bank


  • Low-interest starting from 4.29%
  • Property finance up to $250,000
  • Repayment up to 30 years

In-page navigation

Kiwi Bank homepage

Author Kiwi Bank. Screenshot of Kiwi Bank website. [Accessed May 23, 2018]

About Kiwi Bank

Kiwi Bank is a bank that loves its country and loves its people.

We strive to offer you the best and most competitive credit and banking solutions so that you can achieve more, pay less and save both time and money. From credit cards to home loans we offer products and services of the highest quality!

Putting our experience to good work

With so many years in the mortgage business we know what our customers need and we know the best industry practices and processes and are able to put this knowledge and experience to work for you. So, whether you're looking to finance your first home or refinance your second - we offer you the best that the financial world has to offer!

What Kiwi Bank can offer you

We offer fixed rate home loans with fixed rates of 6 months or 1,2,3, 4 or 5 year fixed interest rates which allow you to budget better and rest assured that your repayments will stay the same for the chosen time period.

We require a minimum of 20% deposit in order to approve a loan application but can help those with less through the Welcome Home Loan scheme.

Flexible home loans at affordable rates

Kiwi Bank offers customers home loans at highly affordable rates from just 4.29%. If you're looking for a home loan that can be tailored to your unique needs than we're the lender you've been looking for. Our requirements are less stringent than those you'll find at a bank and we offer a complete online loan application.

Kiwi Bank Product Details

  • Loan Type Property finance
  • Interest Rate 4.29 – 5.30% p/a
  • Loan Amount up to $250,000
  • Repayment 12 months to 30 years

Buying your first home should be easy, that's why we offer our clients easy & straightforward home loans

Kiwi Bank knows just how important of a financial milestone owning your home is.

We make it easy for you to understand the loan application procedure, the requirements and the interest and fees that will be applicable to your loan. We recommend that you make use of our various loan calculators and resources designed to help you identify and get the best mortgage possible.

Preparing your home loan deposit

In order to apply for a home loan you will have to provide a 20% deposit. If you're not quite there yet and would like to start saving for your deposit you can make use of our high-interest savings and investment accounts which are designed to get you there faster. Find out more about these accounts on our website and start making your dreams a reality! 

Why was my home loan application turned down?

There could be a number of reasons that might have resulted in your home loan application being declined. We will never leave you hanging after this has been the case. We will inform you of the reasons and give you proper guidance of what you need to do in future to be given the green light. It is important that customers remember that everything we do is for the benefit of the customer. If we find that you are not in a financial position to be given a home loan, we may turn you down. After you have settled your loans, you are welcome to apply again.

What can I do to increase my credit profile?

The easiest way of increasing your credit profile is to ensure that you don’t take out unnecessary credit. It is important that you always settle for expenses that are well within your budget and nothing above it. This way, everything will be easier to pay off. If you take loans that are more than what you can afford, you are only making things financially difficult for yourself and your monthly budget. Always live within your means.

Customer Reviews & Testimonials

December 2018

Thanks to Kiwi Bank, I now own a home that I can actually afford.

Amberose J
— Glenorchy —

December 2018

2. The employees at Kiwi Bank made my home loan application so easy and hassle-free.

Frederick H
— Glentui —

February 2019

Within a few hours, my loan application at Kiwi Bank was approved.

Daniel B
— Gore —

Kiwi Bank Contact Details

Contact Number


  • not available


Physical Address

Postal Address

  • Private Bag 39888 Wellington Mail Centre Lower Hutt 5045

Opening Hours

  • Monday 09:00 – 17:00
  • Tuesday 09:00 – 17:00
  • Wednesday 09:00 – 17:00
  • Thursday 09:00 – 17:00
  • Friday 09:00 – 17:00
  • Saturday 09:00 – 12:00
  • Sunday – Closed