Top up your home loan

A home loan top up can be a very effective way to borrow money for almost any purpose. If you have an ANZ Floating Rate, ANZ Fixed Rate or an ANZ Flexible Home Loan or a combination of these, you can apply for a home loan top up. The loan can be used for things like:

  • Renovations

  • Landscaping

  • Insulation

  • Installing a heating system.

How much can I borrow?

The amount you can borrow with a home loan top up will depend on a number of things, including the equity you have in your home and how much income you have available for the regular repayments.

To find out more about home loan top ups and how we can help with your particular situation, contact an ANZ home loan expert. Please note that a top up fee may apply.

Apply for a top up using ANZ Internet Banking

If you already have an ANZ Home Loan you can request a top up through the 'Apply and Open' tab in ANZ Internet Banking (registered customers only).

Calculate if you can afford to renovate

Use this calculator to see whether a renovation is your next best move.

Renovation calculator

ANZ lending criteria, terms and conditions and fees apply.

A copy of the Reserve Bank Disclosure Statement published by ANZ Bank New Zealand Limited may be obtained on request from any ANZ branch.

This material is for information purposes only. Its content is intended to be of a general nature, does not take into account your financial situation or goals, and is not a personalised financial adviser service under the Financial Advisers Act 2008. It is recommended you seek advice from a financial adviser which takes into account your individual circumstances before you acquire a financial product. If you would like to speak to an ANZ Authorised Financial Adviser, please call 0800 269 296.

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