Home loans

Find out about buying, building or renovating and how you could pay off your loan faster. We also have ways to help make your home healthy too.

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Explore our home loan rates

1 year fixed-rate special*

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Additional rates and terms available.

Fixed rate home loans

3 year fixed-rate special*

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Additional rates and terms available.

Fixed rate home loans

Floating rate

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Floating rate home loans

*Special interest rate requires minimum 20% equity and an ANZ transaction account with salary direct credited, otherwise standard rate applies. Not available with package discounts. 

ANZ lending criteria, terms, conditions, and fees apply. Interest rates and fees are subject to change. 

 

You could win up to $100,000 off your home loan with ANZ

If you have an eligible ANZ Home Loan on 9 March 2022,  you’ll go in the draw to win up to $100,000 off the outstanding balance, to help pay off your home loan faster.

Plus, if you hold ANZ Asset Protector home insurance on 9 March 2022 you’ll also go in the draw to win one of five prizes of a $1,000 credit to go towards your insurance premiums.

Lending criteria, terms conditions and fees apply. Our application fee is currently waived. Win up to $100,000 prize draw terms and conditions and win credit towards your insurance premiums terms and conditions apply. 

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First home buyers could get $3,000 cash with ANZ

Buy your first home with an ANZ Home Loan and you could get a $3,000 cash contribution, as long as you keep your home loan with ANZ for at least three years. 

Lending criteria, terms, conditions and fees apply to this offer——.


Floating rate discount for new build homes

If you have the plans, we have the rate. With our floating rate discount of 2.76% p.a. for new build homes, see how we can help you go from blueprint to build. 

Lending criteria, terms, conditions and fees apply to this offer. 

Great reasons to choose ANZ

Help to make your home healthy

We have a range of initiatives to help you live in a warm, dry, energy efficient home.

Support to help you pay off your home loan faster

Everyone’s different. Whatever your situation may be, we can help put a solution together to help you pay off your home loan faster and pay less interest.

Help buying a home or investment property

You’ll get an ANZ Home Loan Coach to support you through the buying process. Plus, we have a range of helpful tools available to you throughout your home buying journey. 

Calculators

How to apply

From overseas: +64 4 470 3165

Important information

ANZ lending criteria, terms, conditions, and fees (our application fee is currently waived) apply. Interest rates and fees are subject to change. Read more about our Rates, fees and agreements.

A copy of the Bank's General Disclosure Statement  under the Reserve Bank of New Zealand Act 1989 is available on this website or on request from any ANZ branch, free of charge.

This material is for information purposes only. We recommend seeking financial advice about your situation and goals before getting a financial product. To talk to one of our team at ANZ, please call 0800 269 296, or for more information about ANZ’s financial advice service or to view our financial advice provider disclosure statement see anz.co.nz/fapdisclosure