Home loans
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.
Explore our home loan rates
1 year fixed-rate special*
1 year fixed-rate special*
Rate is unavailable
Additional rates and terms available.
3 year fixed-rate special*
3 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.
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.
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
Work out how much you could borrow
Get an idea of how much you could borrow based on some quick questions about your financial situation.
Work out your repayments
Find out how much your repayments might be depending on the loan amount, loan type and term.
Wanting to renovate your home?
Get an idea of how much it might cost based on some quick questions about your home and renovation plans.
How to apply
Apply online
Apply for an ANZ Home Loan.
Call us
Call and talk to one of our New Zealand-based home loan coaches.
Monday to Friday, 8am - 8:30pm
Saturday and Sunday, 9am - 5pm
From overseas: +64 4 470 3165
Talk to a Mobile Mortgage Manager
Our Mobile Mortgage Managers can visit you at a time and place that is convenient for you.
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