Home loans
Home loans
Find out about buying, building or renovating your home and how to manage and pay off your loan faster. We also have ways to help you make your home more energy efficient too.
Explore options to refix or get a new home loan
Explore our home loan rates
1 year fixed-rate special*
1 year fixed-rate special*
Rate is unavailable
Additional rates and terms available.
2 year fixed-rate special*
2 year fixed-rate special*
Rate is unavailable
Additional rates and terms available.
*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.
Take years off your mortgage
Have a chance each month to win $100k towards your home loan with ANZ until 30 September 2025. If you have an ANZ home loan, you’re automatically in the monthly draw.
Eligibility criteria, terms and conditions, and some exclusions apply. For details, see our competition terms and conditions.
Calculators
You could get a $5k cash contribution with your first home
If you’re a first home buyer and taking out a new home loan (minimum of $200,000) you could get a $5,000 cash contribution. The cash contribution is conditional on keeping your home loan with ANZ for at least three years. Lending criteria, terms, conditions and fees apply to this offer—.
ANZ Blueprint to build package for new build homes
If you’re building or buying a new build, you could get discounted home loan interest rates and save on fees with our Blueprint to build package.
Lending criteria, terms, conditions and fees apply to this offer.
Find out how we can help you go from blueprint to build.
Great reasons to choose ANZ
Our Home Loan Check In
Chat with one of our ANZ Home Loan Coaches to make sure your home loan is structured to suit your needs.
The Home Loan Check In is free, there is no obligation and it will only take about 15 minutes. Our Coaches are happy to talk to you over the phone or in person, whatever suits you.
Help to manage your home loan
We know your circumstances can change. Whether you’re wanting to restructure, refix or top up your home loan, we have options that could help make your home loan work for you.
Start your journey to a more energy efficient home
We have a range of initiatives and guides 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.
How to apply
Important information
ANZ lending criteria, terms, conditions, and fees apply. Interest rates and fees are subject to change. Read more about our Rates, fees and agreements.
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