Buying with less than a 20% deposit? Banks price the extra risk differently — see what it actually costs at your bank.
Buying with less than a 20% deposit? Banks price the extra risk differently — some add a low-equity margin to your rate, others just charge a higher standard rate. Pick your bank to use its published figures (Canstar survey, June 2026), or type a real quote. A Kāinga Ora First Home Loan carries no such cost.
Not financial advice. Estimates only, for general information. Low-equity costs use each bank's published figures (Canstar survey, June 2026) — some charge a margin, some a higher standard rate; each bank sets its own, so confirm with a lender. Always confirm with a licensed mortgage adviser or lender.