# Kiwibank — NZ home-loan carded rates

**Legal entity:** Kiwibank Limited
**Primary website:** https://www.kiwibank.co.nz
**Category:** big-5
**RBNZ Registered Bank:** yes
**Rates observed at:** 2026-05-21T00:27:41.120Z

> Rates are illustrative and committed to this repo at build time. For real-time carded rates contact the lender directly. RBNZ OCR + LVR + DTI policy figures are sourced from the RBNZ.

## Current carded rates (snapshot)

| Term | Type | Rate | LVR tier |
|---|---|---|---|
| floating | floating | 5.75% | ≤80% LVR |
| 6 months | fixed | 4.49% (special) | ≤80% LVR |
| 6 months | fixed | 5.39% | ≤90% LVR |
| 1 year | fixed | 4.75% (special) | ≤80% LVR |
| 1 year | fixed | 5.65% | ≤90% LVR |
| 2 years | fixed | 5.29% (special) | ≤80% LVR |
| 2 years | fixed | 6.19% | ≤90% LVR |
| 3 years | fixed | 5.55% (special) | ≤80% LVR |
| 3 years | fixed | 6.35% | ≤90% LVR |
| 4 years | fixed | 5.89% (special) | ≤80% LVR |
| 4 years | fixed | 6.59% | ≤90% LVR |
| 5 years | fixed | 5.99% (special) | ≤80% LVR |
| 5 years | fixed | 6.69% | ≤90% LVR |

`special = true` rates typically require a minimum LVR / new-money / package conditions; check the lender's published terms for full conditions.

## Machine-readable endpoints

- Lender JSON: `/api/lender/kiwibank/facts.json`
- Lender Markdown (this file): `/api/lender/kiwibank/summary.md`
- Index of all lenders: `/api/lenders.json`
- Cross-lender rates by term: `/api/rates/{1-year|2-years|3-years|5-years|floating|6-months|18-months|4-years}/summary.md`

## Primary sources

- Lender website: https://www.kiwibank.co.nz
- RBNZ Registered Banks register: https://www.rbnz.govt.nz/regulation-and-supervision/banks/register
- RBNZ OCR + LVR speed-limit policy: https://www.rbnz.govt.nz
- Kāinga Ora First Home Grant + First Home Loan: https://kaingaora.govt.nz

## Operator

This dataset is published by Evolve Group Limited (FSP711891), a Licensed Financial Advice Provider regulated by the Financial Markets Authority (NZ). The information here is general in nature and is not personalised financial advice.