Rating based on 38 reviews

Kiwi Bank


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

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Kiwi Bank homepage

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

About Kiwi Bank

If you are planning on buying a home, look no further than Kiwi Bank as they are a bank that loves its country and loves its people.

Make a great choice by choosing a bank that has been rewarded multiple times as the bank of the year by Canstar.

They 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, they offer products and services of the highest quality.

Putting their experience to good work

With so many years in the mortgage business, they know what their customers need and they 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 - they offer you the best that the financial world has to offer.

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 their high-interest savings and investment accounts which are designed to get you there faster.

Find out more about these accounts on their website and start making your dreams a reality.

What Kiwi Bank can offer you

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

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

Flexible Home loans at affordable rates

Kiwi Bank offers customers home loans at highly affordable rates from just 3.99%. If you're looking for a home loan that can be tailored to your unique needs then they are the lender you have been looking for.

Their requirements are less stringent than those you'll find at a bank and they offer a complete online loan application.

Buying your first home should be easy

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

They recommend that you make use of their various loan calculators and resources designed to help you identify and get the best mortgage possible.

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

Applying with them is easy and simple, all you need to do to get things started is:

Step 1:

Select whether you are buying your first or second home, want to switch your existing loan to them, want to borrow against your loan, etc.

Step 2:

Secondly you will need to select if you wish for a specialist to call you. Come out to you or if you would want to meet up with a specialist at one of their branches.  

Get pre-approved for your Home loan

Step 3:

Your specialist will assist you to submit your application and Kiwi Bank will give you an answer within 10 business days. There are other options if your application is urgent.

This pre-approval is valid for 90 days and is a great benefit as you will be able to make an offer on a home while knowing what you qualify for.

The exciting part of becoming a homeowner

Step 4:

If you have chosen the perfect home and made an offer, you’ll need to sign a sales and purchase agreement. You will also need to provide Kiwi Bank with additional information such as the property valuation, but don’t worry, their specialist will guide you through every step of the process.

Step 5:

Once this is done, you can get to the point of completing your application. The specialist will discuss the terms and structure of your loan for you to sign if you are happy to proceed.

Step 6:

A settlement date will be scheduled for the money to be transferred as instructed so you can take occupation of your new home.

Benefits of buying your home through Kiwi Bank

  • Their fees, rates, and terms are fair.
  • They are transparent and do business in a very professional manner.
  • They will ensure that you feel comfortable every step of the way.
  • A great variety of flexible options is available for you to choose from.

Customer Reviews & Testimonials

December 2020

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

Amberose J
— Glenorchy —

December 2020

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

Frederick H
— Glentui —

February 2020

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

Daniel B
— Gore —

October 2021

I will not recommend anyone else besides Kiwi Bank for buying a home. They are simply the best!

Wilson A
— Dunedin —

November 2021

We are so grateful that we went with Kiwi Bank for our first home, they made things possible for us that we did not expect.

Watson L
— Wellington —

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